Kuap. Ru - Balance sheet with turnover of ЭКСПРЕСС-ВОЛГА, analysis of turnover of bank's accounts

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	EKSPRESS-VOLGA	add to comparison
Central Bank of Russia registration number: 3085 under resolution, retail funding, CB RF representative

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.


Balance sheet position, thous. rub.	01.05.2020	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	157 120 732	1 098 717 326	160 815 223	7,0	6,8	3 694 491	2,4%
High liquid assets	4 167 934	81 061 573	4 524 875	19,4	0,5	356 941	8,6%
Cash and equivalents	2 271	214 907	1 110	94,6	0,0	-1 161	-51,1%
Nostro account with Central Bank	2 271	214 907	1 110	94,6	0,0	-1 161	-51,1%
Nostro accounts	5 076 116	80 775 727	5 434 222	15,9	0,5	358 106	7,1%
Residents	5 076 116	80 775 727	5 434 222	15,9	0,5	358 106	7,1%
Money in transfer	6 193	72 104	6 189	11,6	0,0	-4	-0,1%
Provision for impairment of high-liquid assets	-916 646	-	-916 646	0,0	0,0	-	0,0%
Interest-earning assets	151 265 157	34 681 603	152 696 310	0,2	0,2	1 431 153	0,9%
Dues from banks	53 741 265	-	53 741 265	0,0	0,0	-	0,0%
Residents	40 842 000	-	40 842 000	0,0	0,0	-	0,0%
up to 30 days	-	-	-	-	-	-	-
more than 180 days	40 842 000	-	40 842 000	0,0	0,0	-	0,0%
Loans past-due	20 283 441	-	20 283 441	0,0	0,0	-	0,0%
residents	20 283 441	-	20 283 441	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-7 384 176	-	-7 384 176	0,0	0,0	-	0,0%
Securities	97 523 892	34 628 356	98 955 048	0,4	0,2	1 431 156	1,5%
Bonds	97 492 957	34 628 356	98 924 113	0,4	0,2	1 431 156	1,5%
Federal Loan Bonds (OFZs), OBRs	16 295 865	13 758 226	9 387 591	0,8	0,1	-6 908 274	-42,4%
Corporate bonds	26 580 257	7 394 018	19 546 351	0,3	0,0	-7 033 906	-26,5%
Financial institutions bonds	7 373 224	5 817 649	12 428 386	0,8	0,0	5 055 162	68,6%
Corporate foreign bonds	47 246 624	4 028 778	45 278 497	0,1	0,0	-1 968 127	-4,2%
Valuation allowance	253 598	25 868	274 766	0,1	0,0	21 168	8,3%
Pledged under REPO	-	18 987 535	12 247 067	-	-	12 247 067	-
Provision for impairment of bonds	-256 611	526 589	-238 545	2,1	0,0	18 066	-7,0%
Stocks	30 935	-	30 935	0,0	0,0	-	0,0%
Residents	123 741	-	123 741	0,0	0,0	-	0,0%
Valuation allowance	-92 806	-	-92 806	0,0	0,0	-	0,0%
Loans to corporate clients	-	27 885	-	-	-	-	-
Past-due	457 142	25 588	434 802	0,1	0,0	-22 340	-4,9%
residents	444 999	25 588	422 659	0,1	0,0	-22 340	-5,0%
non-residents	12 143	-	12 143	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-457 142	8 319	-434 802	0,0	0,0	22 340	-4,9%
residents	-444 999	8 087	-422 659	0,0	0,0	22 340	-5,0%
non-residents	-12 143	232	-12 143	0,0	0,0	-	0,0%
Loans to private entrepreneurs	-	1 238	-	-	-	-	-
Past-due	38 546	500	38 584	0,0	0,0	38	0,1%
Provision for impairment of loans to private entrepreneurs	-38 546	738	-38 584	0,0	0,0	-38	0,1%
Loans to individuals	-	40 442	-3	-	-	-3	-
Standard	21 861	3 164	18 703	0,1	0,0	-3 158	-14,4%
more than 3 years	21 861	3 164	18 703	0,1	0,0	-3 158	-14,4%
Past-due	1 363 587	12 217	1 360 491	0,0	0,0	-3 096	-0,2%
Past-due	1 363 587	12 217	1 360 491	0,0	0,0	-3 096	-0,2%
Provision for impairment of loans to individuals	-1 385 448	31 315	-1 379 197	0,0	0,0	6 251	-0,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 687 641	982 974 150	3 594 038	582,5	6,1	1 906 397	113,0%
Mandatory reserves with Central Bank	10 403	237	10 166	0,0	0,0	-237	-2,3%
Premises and equipment	90 198	2 482 168	87 536	27,5	0,0	-2 662	-3,0%
Purchase cost	161 210	2 481 387	153 736	15,4	0,0	-7 474	-4,6%
Depreciation	-71 012	5 593	-66 200	0,1	0,0	4 812	-6,8%
Accrued interest not yet received	388 439	439 769	786 105	1,1	0,0	397 666	102,4%
Other assets	1 001 783	975 716 041	865 500	974,0	6,1	-136 283	-13,6%
Provision for impairment of other assets	-493 130	39 690	-508 043	0,1	0,0	-14 913	3,0%
Derivatives - assets	34 512	2 349 542	-	68,1	0,0	-34 512	-100,0%
Deferred tax asset	655 436	2 135 310	2 352 774	3,3	0,0	1 697 338	259,0%
LIABILITIES	133 583 657	969 318 384	136 805 808	7,3	6,0	3 222 151	2,4%
Dues to banks	132 731 952	47 226 355	133 793 966	0,4	0,3	1 062 014	0,8%
Term	132 731 952	47 224 449	133 793 966	0,4	0,3	1 062 014	0,8%
Central Bank of Russia	-	-	-	-	-	-	-
other	-	-	-	-	-	-	-
Residents	132 731 952	47 224 449	133 793 966	0,4	0,3	1 062 014	0,8%
up to 30 days	18 015 000	34 327 435	16 912 014	1,9	0,2	-1 102 986	-6,1%
up to 180 days	73 875 000	14 000 000	76 040 000	0,2	0,1	2 165 000	2,9%
more than 180 days	40 841 952	-	40 841 952	0,0	0,0	-	0,0%
Other dues to banks	-	1 906	-	-	-	-	-
On demand	185 334	8 872	182 074	0,0	0,0	-3 260	-1,8%
Corporate clients	9 538	201	9 384	0,0	0,0	-154	-1,6%
Residents	9 537	200	9 384	0,0	0,0	-153	-1,6%
Non-residents	1	1	-	1,0	0,0	-1	-100,0%
Individuals	175 796	8 671	172 690	0,0	0,0	-3 106	-1,8%
Residents	175 073	7 943	172 690	0,0	0,0	-2 383	-1,4%
Non-residents	723	728	-	1,0	0,0	-723	-100,0%
Term	1 492	1 506	-	1,0	0,0	-1 492	-100,0%
Individuals	1 492	1 506	-	1,0	0,0	-1 492	-100,0%
residents	1 492	1 506	-	1,0	0,0	-1 492	-100,0%
up to 180 days	1 429	1 442	-	1,0	0,0	-1 429	-100,0%
up to 1 year	27	28	-	1,0	0,0	-27	-100,0%
up to 3 years	36	36	-	1,0	0,0	-36	-100,0%
Other liabilities	664 879	922 086 403	2 829 768	1 386,8	5,7	2 164 889	325,6%
Other liabilities	12 341	915 973 959	11 647	74 222,0	5,7	-694	-5,6%
Accrued interest not yet paid	652 538	518 136	888 362	0,8	0,0	235 824	36,1%
Derivatives - liabilities	-	3 716 775	51 532	-	-	51 532	-
Deferred tax liabilities	-	1 878 227	1 878 227	-	-	1 878 227	-
EQUITY	23 537 075	19 608 522	24 009 415	0,8	0,1	472 340	2,0%
Capital	5 053 676	5 036	5 048 640	0,0	0,0	-5 036	-0,1%
Profit from previous years	16 252 385	6 096 767	16 257 422	0,4	0,0	5 037	0,0%
Retained earnings from previous years	16 252 385	6 096 767	16 257 422	0,4	0,0	5 037	0,0%
Current year profit	2 231 014	13 511 755	2 703 353	6,1	0,1	472 339	21,2%
Current year retained earnings	2 231 014	13 511 755	2 703 353	6,1	0,1	472 339	21,2%
OFF-BALANCE SHEET	-11 960 489	1 057 230	-12 619 353	0,1	0,0	-658 864	5,5%
Contingent liabilities	-8 319 556	1 051 334	-8 906 046	0,1	0,0	-586 490	7,0%
Guarantees issued	-8 319 556	1 051 334	-8 906 046	0,1	0,0	-586 490	7,0%
Collateral on loans	268 693	40 743	228 378	0,2	0,0	-40 315	-15,0%
goods	259 567	40 743	219 252	0,2	0,0	-40 315	-15,5%
securities	9 126	-	9 126	0,0	0,0	-	0,0%
Unprocessed payments	54 653	2 060	52 938	0,0	0,0	-1 715	-3,1%
Due to lack of funds on client accounts	54 653	2 060	52 938	0,0	0,0	-1 715	-3,1%
Other off-balance sheet accounts	-3 964 279	33 752	-3 994 623	0,0	0,0	-30 344	0,8%
Written-off interest	-1 081 630	826	-1 081 670	0,0	0,0	-40	0,0%
Written-off loans	-2 882 649	32 926	-2 912 953	0,0	0,0	-30 304	1,1%
Past due ratio, total	9 884	-	9 899	0,0	0,0	15	0,2%
Past due ratio, individuals	9 842	-	9 864	0,0	0,0	22	0,2%
Past due ratio, corporates	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Risk-weighted assets	121 539 043	-	127 001 249	0,0	0,0	5 462 206	4,5%