Kuap. Ru - Balance sheet with turnover of ЭКСПЕРТ БАНК, analysis of turnover of bank's accounts

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	EHKSPERT BANK	add to comparison
Central Bank of Russia registration number: 2949 complies with 214-FZ (equity construction)

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.


Turnover by thous. rub.					Period change
ASSETS	314 018 108	320 290 467	310 706 264	330 659 590	16 641 482	5,3%
High liquid assets	152 085 466	155 337 794	148 303 082	160 915 740	8 830 274	5,8%
Cash and equivalents	9 886 703	7 812 476	8 917 668	9 912 255	25 552	0,3%
Cash	5 592 609	4 006 317	5 016 768	5 319 430	-273 179	-4,9%
in cash and en route	5 579 259	3 986 302	4 968 958	5 302 030	-277 229	-5,0%
in ATMs	13 350	20 015	47 810	17 400	4 050	30,3%
Nostro account with Central Bank	4 294 094	3 806 159	3 900 900	4 592 825	298 731	7,0%
Nostro accounts	2 054 341	1 408 355	1 680 252	1 608 239	-446 102	-21,7%
Non-residents	1	3	1	1	-	0,0%
Residents	2 054 340	1 408 352	1 680 251	1 608 238	-446 102	-21,7%
Money in transfer	160 308	160 837	163 812	177 014	16 706	10,4%
Exchange accounts	139 983 741	145 955 791	137 541 037	149 217 944	9 234 203	6,6%
Provision for impairment of high-liquid assets	373	335	313	288	-85	-22,8%
Interest-earning assets	1 198 943	1 122 194	1 060 540	1 264 749	65 806	5,5%
Dues from banks	-	-	-	34	34	-
Residents	-	-	-	34	34	-
up to 30 days	-	-	-	34	34	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	151 582	51 351	99 408	61 696	-89 886	-59,3%
Promissory notes	151 582	51 226	99 408	61 696	-89 886	-59,3%
Corporate	-	1	-	-	-	-
Banks	151 582	51 225	99 408	49 927	-101 655	-67,1%
Provision for impairment of promissory notes	-	-	-	11 769	11 769	-
Stocks	-	125	-	-	-	-
Residents	-	-	-	-	-	-
Valuation allowance	-	-	-	-	-	-
Provision for impairment of stocks	-	125	-	-	-	-
Loans to corporate clients	605 095	538 927	568 136	771 723	166 628	27,5%
residents	273 082	194 644	399 530	501 818	228 736	83,8%
up to 30 days	7 538	3 026	2 158	4 578	-2 960	-39,3%
up to 180 days	223 718	83 154	152 077	130 084	-93 634	-41,9%
up to 1 year	27 300	90 768	47 918	148 612	121 312	444,4%
up to 3 years	14 526	17 696	159 004	125 146	110 620	761,5%
more than 3 years	-	-	38 373	93 398	93 398	-
Past-due	33 463	64 272	8 043	9 773	-23 690	-70,8%
residents	33 463	64 272	8 041	9 773	-23 690	-70,8%
non-residents	-	-	2	-	-	-
Provision for impairment of corporate loans	298 550	280 011	160 563	260 132	-38 418	-12,9%
residents	298 550	280 011	160 563	260 132	-38 418	-12,9%
non-residents	-	-	-	-	-	-
Loans to private entrepreneurs	3 208	849	1 818	256	-2 952	-92,0%
up to 180 days	-	-	1 549	-	-	-
up to 1 year	2 192	-	-	-	-2 192	-100,0%
up to 3 years	-	-	-	-	-	-
Past-due	59	24	30	32	-27	-45,8%
Provision for impairment of loans to private entrepreneurs	957	825	239	224	-733	-76,6%
Loans to individuals	439 058	531 067	391 178	431 040	-8 018	-1,8%
Standard	222 366	229 630	228 637	272 572	50 206	22,6%
up to 30 days	899	395	346	632	-267	-29,7%
up to 1 year	-	11 800	-	-	-	-
up to 3 years	2 976	1 154	1 995	4 060	1 084	36,4%
more than 3 years	218 491	216 281	226 296	267 880	49 389	22,6%
Past-due	35 843	23 622	37 475	31 413	-4 430	-12,4%
Past-due	35 843	23 622	37 475	31 413	-4 430	-12,4%
Provision for impairment of loans to individuals	180 849	277 815	125 066	127 055	-53 794	-29,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	160 733 699	163 830 479	161 342 642	168 479 101	7 745 402	4,8%
Mandatory reserves with Central Bank	1 831	-	-	-	-1 831	-100,0%
Premises and equipment	181 679	316 425	57 598	366 412	184 733	101,7%
Purchase cost	181 279	315 238	55 102	365 019	183 740	101,4%
Depreciation	400	1 187	2 496	1 393	993	248,3%
Accrued interest not yet received	92 177	94 590	90 127	93 620	1 443	1,6%
Other assets	160 319 462	163 352 193	161 144 318	167 816 171	7 496 709	4,7%
Provision for impairment of other assets	138 550	67 139	50 599	202 898	64 348	46,4%
Deferred tax asset	-	132	-	-	-	-
LIABILITIES	156 161 204	162 395 080	157 950 836	162 806 558	6 645 354	4,3%
On demand	5 596 074	5 323 409	5 136 619	5 279 132	-316 942	-5,7%
Corporate clients	4 931 533	4 713 039	4 578 519	4 671 765	-259 768	-5,3%
Residents	4 122 166	4 108 712	3 964 326	3 954 061	-168 105	-4,1%
Non-residents	809 367	604 327	614 193	717 704	-91 663	-11,3%
Individuals	664 541	610 370	558 100	607 367	-57 174	-8,6%
Residents	653 582	600 327	557 033	599 847	-53 735	-8,2%
Non-residents	10 959	10 043	1 067	7 520	-3 439	-31,4%
Term	94 899	40 298	97 482	215 601	120 702	127,2%
Corporate clients	7 736	12 047	48 295	101 064	93 328	1 206,4%
Residents	1 800	3 897	10 832	3 510	1 710	95,0%
up to 180 days	-	-	6 251	603	603	-
up to 1 year	-	1 612	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	1 800	2 285	4 581	2 907	1 107	61,5%
Non-residents	5 936	8 150	37 463	97 554	91 618	1 543,4%
up to 1 year	1 986	2 727	29 560	35 805	33 819	1 702,9%
up to 3 years	3 950	5 423	7 903	61 749	57 799	1 463,3%
Individuals	87 163	28 251	49 187	114 537	27 374	31,4%
residents	87 146	27 288	49 158	114 516	27 370	31,4%
up to 30 days	4	-	-	4	-	0,0%
up to 180 days	1 893	1 170	2 064	553	-1 340	-70,8%
up to 1 year	5 878	1 408	4 162	11 601	5 723	97,4%
up to 3 years	79 371	24 710	42 928	102 358	22 987	29,0%
more than 3 years	-	-	4	-	-	-
non-residents	17	963	29	21	4	23,5%
up to 30 days	-	3	-	-	-	-
up to 1 year	-	941	-	-	-	-
up to 3 years	17	19	29	21	4	23,5%
Securities issued	132 733	27 512	30 919	5 021	-127 712	-96,2%
Promissory notes	132 733	27 512	30 919	5 021	-127 712	-96,2%
on demand	-	-	10 860	-	-	-
up to 30 days	47 118	-	-	5 021	-42 097	-89,3%
up to 180 days	85 615	27 512	20 059	-	-85 615	-100,0%
Other liabilities	150 337 498	157 003 861	152 685 816	157 306 804	6 969 306	4,6%
Other liabilities	150 317 188	156 984 769	152 664 146	157 281 743	6 964 555	4,6%
Accrued interest not yet paid	20 310	19 092	21 670	25 061	4 751	23,4%
EQUITY	1 629 373	2 280 877	1 689 811	1 607 473	-21 900	-1,3%
Capital	-	125	-	-	-	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	1 629 373	2 280 752	1 689 811	1 607 473	-21 900	-1,3%
Current year retained earnings	1 629 373	2 280 752	1 689 811	1 607 473	-21 900	-1,3%
OFF-BALANCE SHEET	1 042 953	839 975	485 188	971 935	-71 018	-6,8%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	801 802	306 752	289 039	545 214	-256 588	-32,0%
Guarantees issued	376 964	90 078	14 817	16 137	-360 827	-95,7%
Unused credit limits opened	419 838	216 674	268 198	527 967	108 129	25,8%
Unused guarantee limits	5 000	-	6 024	1 110	-3 890	-77,8%
Collateral on loans	133 544	450 156	173 354	387 607	254 063	190,2%
goods	129 394	447 641	162 494	387 607	258 213	199,6%
securities	4 150	2 515	10 860	-	-4 150	-100,0%
Unprocessed payments	107 192	83 067	22 795	39 113	-68 079	-63,5%
Due to lack of funds on client accounts	107 192	83 067	22 795	39 113	-68 079	-63,5%
Other off-balance sheet accounts	415	-	-	1	-414	-99,8%
Written-off interest	408	-	-	-	-408	-100,0%
Written-off loans	7	-	-	1	-6	-85,7%
Credit card balances	899	395	346	632	-267	-29,7%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-