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

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Central Bank of Russia registration number: 3231

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 066 833	10 485 809	1 124 445	9,8	9,3	57 612	5,4%
High liquid assets	269 944	5 931 874	325 674	22,0	5,3	55 730	20,6%
Cash and equivalents	82 392	5 478 921	107 435	66,5	4,9	25 043	30,4%
Cash	46 759	149 034	79 779	3,2	0,1	33 020	70,6%
in cash and en route	43 166	143 954	75 517	3,3	0,1	32 351	74,9%
in ATMs	3 593	5 080	4 262	1,4	0,0	669	18,6%
Nostro account with Central Bank	35 633	5 337 864	27 656	149,8	4,7	-7 977	-22,4%
Nostro accounts	164 661	211 297	199 116	1,3	0,2	34 455	20,9%
Residents	164 661	211 297	199 116	1,3	0,2	34 455	20,9%
Money in transfer	23 547	245 424	19 779	10,4	0,2	-3 768	-16,0%
Provision for impairment of high-liquid assets	-656	-	-656	0,0	0,0	-	0,0%
Interest-earning assets	750 560	3 759 034	747 745	5,0	3,3	-2 815	-0,4%
Dues from banks	450 000	3 683 000	441 000	8,2	3,3	-9 000	-2,0%
Central Bank of Russia	310 000	1 393 000	281 000	4,5	1,2	-29 000	-9,4%
Residents	140 000	2 310 000	160 000	16,5	2,1	20 000	14,3%
up to 30 days	140 000	2 310 000	160 000	16,5	2,1	20 000	14,3%
Provision for impairment of loans to banks	-	-	-	-	-	-	-
Securities	-	14 915	14 915	-	-	14 915	-
Bonds	-	14 915	14 915	-	-	14 915	-
Federal Loan Bonds (OFZs), OBRs	-	14 915	14 915	-	-	14 915	-
Loans to corporate clients	100 495	54 275	95 713	0,5	0,0	-4 782	-4,8%
residents	99 786	49 275	94 773	0,5	0,0	-5 013	-5,0%
up to 30 days	39 188	41 509	34 015	1,1	0,0	-5 173	-13,2%
up to 180 days	8 480	7 766	714	0,9	0,0	-7 766	-91,6%
up to 1 year	13 568	-	13 568	0,0	0,0	-	0,0%
up to 3 years	11 055	7 926	18 981	0,7	0,0	7 926	71,7%
more than 3 years	27 495	-	27 495	0,0	0,0	-	0,0%
Past-due	18 316	4 431	18 316	0,2	0,0	-	0,0%
residents	18 316	4 431	18 316	0,2	0,0	-	0,0%
Provision for impairment of corporate loans	-17 607	800	-17 376	0,0	0,0	231	-1,3%
residents	-17 603	800	-17 372	0,0	0,0	231	-1,3%
state-owned enterprises	-4	-	-4	0,0	0,0	-	0,0%
Loans to private entrepreneurs	8 000	-	8 000	0,0	0,0	-	0,0%
up to 1 year	8 000	-	8 000	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-	-	-	-	-	-	-
Loans to individuals	192 065	21 759	188 117	0,1	0,0	-3 948	-2,1%
Standard	192 460	21 203	188 517	0,1	0,0	-3 943	-2,0%
up to 30 days	600	9 077	9 600	15,1	0,0	9 000	1 500,0%
up to 180 days	15 770	9 770	6 200	0,6	0,0	-9 570	-60,7%
up to 1 year	21 175	1 676	20 147	0,1	0,0	-1 028	-4,9%
up to 3 years	79 605	4 787	78 953	0,1	0,0	-652	-0,8%
more than 3 years	75 310	4 893	73 617	0,1	0,0	-1 693	-2,2%
Past-due	13 309	-	13 309	0,0	0,0	-	0,0%
Past-due	13 309	-	13 309	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-13 704	556	-13 709	0,0	0,0	-5	0,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	46 329	797 716	51 026	17,2	0,7	4 697	10,1%
Mandatory reserves with Central Bank	3 964	17	3 981	0,0	0,0	17	0,4%
Premises and equipment	39 756	2 285	38 398	0,1	0,0	-1 358	-3,4%
Purchase cost	92 942	927	93 497	0,0	0,0	555	0,6%
Depreciation	-53 186	1 913	-55 099	0,0	0,0	-1 913	3,6%
Accrued interest not yet received	162	4 716	267	29,1	0,0	105	64,8%
Other assets	23 166	791 395	29 008	34,2	0,7	5 842	25,2%
Provision for impairment of other assets	-20 719	661	-20 628	0,0	0,0	91	-0,4%
LIABILITIES	786 448	1 714 032	845 705	2,2	1,5	59 257	7,5%
On demand	421 920	1 396 689	478 322	3,3	1,2	56 402	13,4%
Corporate clients	302 616	1 197 647	299 794	4,0	1,1	-2 822	-0,9%
State-owned enterprises	15 746	11 927	8 648	0,8	0,0	-7 098	-45,1%
Residents	280 906	1 188 104	284 954	4,2	1,1	4 048	1,4%
Non-residents	5 964	1 892	6 192	0,3	0,0	228	3,8%
Individuals	119 304	201 864	178 528	1,7	0,2	59 224	49,6%
Residents	118 445	201 863	177 669	1,7	0,2	59 224	50,0%
Non-residents	859	1	859	0,0	0,0	-	0,0%
Term	208 858	30 732	207 683	0,1	0,0	-1 175	-0,6%
Corporate clients	85 000	15 000	85 000	0,2	0,0	-	0,0%
Residents	65 000	15 000	65 000	0,2	0,0	-	0,0%
up to 180 days	15 000	15 000	15 000	1,0	0,0	-	0,0%
more than 3 years	50 000	-	50 000	0,0	0,0	-	0,0%
State-owned enterprises	20 000	-	20 000	0,0	0,0	-	0,0%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	20 000	-	20 000	0,0	0,0	-	0,0%
Individuals	123 858	15 732	122 683	0,1	0,0	-1 175	-0,9%
residents	123 858	15 732	122 683	0,1	0,0	-1 175	-0,9%
up to 180 days	500	-	500	0,0	0,0	-	0,0%
up to 1 year	123 358	15 732	122 183	0,1	0,0	-1 175	-1,0%
Securities issued	114 540	8 601	119 547	0,1	0,0	5 007	4,4%
Promissory notes	114 540	8 601	119 547	0,1	0,0	5 007	4,4%
on demand	114 540	8 601	119 547	0,1	0,0	5 007	4,4%
Other liabilities	41 130	280 162	40 153	6,8	0,2	-977	-2,4%
Other liabilities	40 589	279 205	39 553	6,9	0,2	-1 036	-2,6%
Accrued interest not yet paid	241	1 006	290	4,2	0,0	49	20,3%
Deferred tax liabilities	300	10	310	0,0	0,0	10	3,3%
EQUITY	280 385	1 054 832	278 740	3,8	0,9	-1 645	-0,6%
Capital	214 146	-	214 146	0,0	0,0	-	0,0%
Profit from previous years	103 029	524 793	66 214	5,1	0,5	-36 815	-35,7%
Retained earnings from previous years	103 029	524 793	66 214	5,1	0,5	-36 815	-35,7%
Current year profit	-36 790	565 209	-1 620	15,4	0,5	35 170	-95,6%
Current year retained earnings	-36 790	565 209	-1 620	15,4	0,5	35 170	-95,6%
OFF-BALANCE SHEET	1 668 501	81 675	1 708 340	0,0	0,1	39 839	2,4%
Contingent liabilities	-239 002	49 694	-241 202	0,2	0,0	-2 200	0,9%
Guarantees issued	-6 248	2 950	-3 628	0,5	0,0	2 620	-41,9%
Unused credit limits opened	-232 754	49 364	-237 574	0,2	0,0	-4 820	2,1%
Collateral on loans	373 699	29 600	402 961	0,1	0,0	29 262	7,8%
goods	365 124	29 000	394 124	0,1	0,0	29 000	7,9%
securities	8 575	600	8 837	0,1	0,0	262	3,1%
Unprocessed payments	1 562 163	15 158	1 574 940	0,0	0,0	12 777	0,8%
Due to lack of funds on client accounts	1 562 163	15 158	1 574 940	0,0	0,0	12 777	0,8%
Other off-balance sheet accounts	-28 359	-	-28 359	0,0	0,0	-	0,0%
Written-off interest	-27 405	-	-27 405	0,0	0,0	-	0,0%
Written-off loans	-954	-	-954	0,0	0,0	-	0,0%
Credit card balances	600	9 077	9 600	15,1	0,0	9 000	1 500,0%
Past due ratio, total	953	-	979	0,0	0,0	26	2,7%
Past due ratio, individuals	647	-	659	0,0	0,0	12	1,9%
Past due ratio, corporates	1 551	-	1 620	0,0	0,0	69	4,4%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	1 452	-	1 513	0,0	0,0	61	4,2%
Risk-weighted assets	861 696	-	875 579	0,0	0,0	13 883	1,6%