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

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	LAYTBANK	add to comparison
Central Bank of Russia registration number: 3177

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	4 109 309	4 851 819	4 140 066	4 378 443	269 134	6,5%
High liquid assets	3 716 302	4 466 303	3 760 109	3 954 486	238 184	6,4%
Cash and equivalents	2 356 187	3 102 536	2 581 108	2 776 559	420 372	17,8%
Cash	1 209 608	1 774 534	1 661 564	1 635 483	425 875	35,2%
in cash and en route	1 103 175	1 697 306	1 640 747	1 596 377	493 202	44,7%
in ATMs	106 433	77 228	20 817	39 106	-67 327	-63,3%
Nostro account with Central Bank	1 146 579	1 328 002	919 544	1 141 076	-5 503	-0,5%
Nostro accounts	701 801	597 761	425 894	557 366	-144 435	-20,6%
Residents	701 801	597 761	425 894	557 366	-144 435	-20,6%
Money in transfer	320 887	365 950	314 373	275 889	-44 998	-14,0%
Exchange accounts	336 907	399 753	438 718	344 529	7 622	2,3%
Provision for impairment of high-liquid assets	520	303	16	143	-377	-72,5%
Interest-earning assets	165 286	134 242	56 992	145 230	-20 056	-12,1%
Dues from banks	150	108	52	100 147	99 997	66 664,7%
Central Bank of Russia	-	-	-	100 000	100 000	-
Residents	150	108	52	147	-3	-2,0%
up to 30 days	150	108	52	147	-3	-2,0%
Loans to corporate clients	38 042	122 704	18 606	24 670	-13 372	-35,2%
residents	35 876	76 062	15 233	18 985	-16 891	-47,1%
up to 30 days	3 491	586	743	985	-2 506	-71,8%
up to 180 days	3 053	50 672	-	7 000	3 947	129,3%
up to 1 year	29 332	24 804	14 490	8 700	-20 632	-70,3%
up to 3 years	-	-	-	2 300	2 300	-
more than 3 years	-	-	-	-	-	-
non-residents	147	105	51	145	-2	-1,4%
up to 30 days	147	105	51	145	-2	-1,4%
Past-due	873	20 991	299	2 468	1 595	182,7%
residents	873	20 991	299	2 468	1 595	182,7%
Provision for impairment of corporate loans	1 146	25 546	3 023	3 072	1 926	168,1%
residents	1 146	25 546	3 022	3 072	1 926	168,1%
non-residents	-	-	1	-	-	-
Loans to individuals	127 094	11 430	38 334	20 413	-106 681	-83,9%
Standard	116 701	7 926	33 602	17 099	-99 602	-85,3%
up to 30 days	-	773	-	-	-	-
up to 1 year	500	-	-	7 844	7 344	1 468,8%
up to 3 years	2 351	-	2 050	4 350	1 999	85,0%
more than 3 years	113 850	7 153	31 552	4 905	-108 945	-95,7%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	472	747	2 269	2 010	1 538	325,8%
Past-due	472	747	2 269	2 010	1 538	325,8%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	9 921	2 757	2 463	1 304	-8 617	-86,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	227 721	251 274	322 965	278 727	51 006	22,4%
Mandatory reserves with Central Bank	1 245	-	558	673	-572	-45,9%
Premises and equipment	3 967	1 967	3 920	4 488	521	13,1%
Purchase cost	3 966	1 961	3 920	2 877	-1 089	-27,5%
Depreciation	1	6	-	1 611	1 610	161 000,0%
Accrued interest not yet received	8 409	9 277	9 152	7 317	-1 092	-13,0%
Other assets	211 544	235 935	307 999	263 333	51 789	24,5%
Provision for impairment of other assets	2 556	4 095	1 336	2 916	360	14,1%
LIABILITIES	1 948 744	2 324 164	1 641 367	1 903 847	-44 897	-2,3%
On demand	1 412 674	1 715 667	1 130 269	1 325 650	-87 024	-6,2%
Corporate clients	1 250 842	1 544 893	988 331	1 227 031	-23 811	-1,9%
State-owned enterprises	32	33	1	16	-16	-50,0%
Residents	1 104 873	1 358 798	871 295	1 074 793	-30 080	-2,7%
Non-residents	145 937	186 062	117 035	152 222	6 285	4,3%
Individuals	161 827	170 767	141 931	98 611	-63 216	-39,1%
Residents	161 169	169 056	138 021	98 116	-63 053	-39,1%
Non-residents	658	1 711	3 910	495	-163	-24,8%
Brokerage accounts	5	7	7	8	3	60,0%
Residents	5	7	7	8	3	60,0%
Term	33 897	15 919	19 549	96 280	62 383	184,0%
Corporate clients	10 000	-	-	75 000	65 000	650,0%
Residents	10 000	-	-	75 000	65 000	650,0%
up to 30 days	-	-	-	50 000	50 000	-
up to 180 days	10 000	-	-	-	-10 000	-100,0%
up to 3 years	-	-	-	25 000	25 000	-
more than 3 years	-	-	-	-	-	-
Individuals	23 897	15 919	19 549	21 280	-2 617	-11,0%
residents	23 847	15 862	19 502	21 210	-2 637	-11,1%
up to 30 days	4 800	-	-	-	-4 800	-100,0%
up to 180 days	4 867	6 294	1 706	682	-4 185	-86,0%
up to 1 year	4 628	2 400	10 892	11 148	6 520	140,9%
up to 3 years	8 489	6 254	6 434	7 759	-730	-8,6%
more than 3 years	1 063	914	470	1 621	558	52,5%
non-residents	50	57	47	70	20	40,0%
up to 3 years	50	57	47	70	20	40,0%
Securities issued	5 997	964	566	41 169	35 172	586,5%
Promissory notes	5 997	964	566	41 169	35 172	586,5%
on demand	-	-	-	10 000	10 000	-
up to 180 days	5 000	-	-	5 000	-	0,0%
up to 1 year	-	-	-	25 000	25 000	-
more than 3 years	997	964	566	1 169	172	17,3%
Other liabilities	496 176	591 614	490 983	440 748	-55 428	-11,2%
Other liabilities	493 556	589 479	488 736	437 332	-56 224	-11,4%
Accrued interest not yet paid	2 620	2 135	2 247	3 403	783	29,9%
Deferred tax liabilities	-	-	-	13	13	-
EQUITY	65 062	85 753	2 023 054	106 560	41 498	63,8%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	992 642	538	538	-
Retained earnings from previous years	-	-	992 642	538	538	-
Current year profit	64 947	85 488	1 030 134	106 020	41 073	63,2%
Current year retained earnings	64 947	85 488	1 030 134	106 020	41 073	63,2%
Future expenses	115	265	278	2	-113	-98,3%
OFF-BALANCE SHEET	134 401	252 703	284 832	100 063	-34 338	-25,5%
Contingent liabilities	120 609	201 547	108 250	53 484	-67 125	-55,7%
Guarantees issued	105 568	149 799	74 577	34 456	-71 112	-67,4%
Unused credit limits opened	15 041	51 748	33 673	19 028	3 987	26,5%
Collateral on loans	6 201	31 199	25 129	33 044	26 843	432,9%
goods	204	30 235	24 563	1 875	1 671	819,1%
securities	5 997	964	566	31 169	25 172	419,7%
Unprocessed payments	4 066	16 558	148 084	9 959	5 893	144,9%
Due to lack of funds on client accounts	4 066	16 558	148 084	9 959	5 893	144,9%
Other off-balance sheet accounts	3 525	3 399	3 369	3 576	51	1,4%
Accrued interest not yet received	3 525	3 399	3 369	3 576	51	1,4%
Credit card balances	-	773	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-