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

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	KOMMERCHESKIY BANK RAZVITIYA	add to comparison
Central Bank of Russia registration number: 3364

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.	01.11.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 153 200	15 725 241	1 234 841	13,6	12,7	81 641	7,1%
High liquid assets	461 789	11 837 209	615 336	25,6	9,6	153 547	33,3%
Cash and equivalents	247 136	9 455 688	576 182	38,3	7,7	329 046	133,1%
Cash	173 947	621 568	267 391	3,6	0,5	93 444	53,7%
in cash and en route	165 901	599 485	265 969	3,6	0,5	100 068	60,3%
in ATMs	8 046	28 707	1 422	3,6	0,0	-6 624	-82,3%
Nostro account with Central Bank	73 189	8 834 120	308 791	120,7	7,2	235 602	321,9%
Nostro accounts	214 654	2 489 670	38 635	11,6	2,0	-176 019	-82,0%
Residents	214 654	2 489 670	38 635	11,6	2,0	-176 019	-82,0%
Money in transfer	-	67 870	523	-	-	523	-
Provision for impairment of high-liquid assets	-1	3	-4	3,0	0,0	-3	300,0%
Interest-earning assets	638 607	3 252 729	580 419	5,1	2,6	-58 188	-9,1%
Dues from banks	-	2 860 000	-	-	-	-	-
Residents	-	2 860 000	-	-	-	-	-
up to 30 days	-	2 860 000	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-	-
Securities	99 264	1 204	100 444	0,0	0,0	1 180	1,2%
Promissory notes	99 264	1 204	100 444	0,0	0,0	1 180	1,2%
Banks	101 290	1 204	102 494	0,0	0,0	1 204	1,2%
Provision for impairment of promissory notes	-2 026	24	-2 050	0,0	0,0	-24	1,2%
Loans to corporate clients	443 584	321 300	464 764	0,7	0,3	21 180	4,8%
residents	770 300	261 300	769 700	0,3	0,2	-600	-0,1%
up to 30 days	65 000	65 000	65 000	1,0	0,1	-	0,0%
up to 180 days	-	20 000	20 000	-	-	20 000	-
up to 1 year	639 300	194 300	540 700	0,3	0,2	-98 600	-15,4%
up to 3 years	-	80 000	80 000	-	-	80 000	-
more than 3 years	66 000	2 000	64 000	0,0	0,0	-2 000	-3,0%
Past-due	-	-	-	-	-	-	-
residents	-	-	-	-	-	-	-
Provision for impairment of corporate loans	-326 716	60 600	-304 936	0,2	0,0	21 780	-6,7%
residents	-326 716	60 600	-304 936	0,2	0,0	21 780	-6,7%
Loans to individuals	95 759	92 585	15 211	1,0	0,1	-80 548	-84,1%
Standard	100 666	92 212	16 124	0,9	0,1	-84 542	-84,0%
up to 30 days	286	779	563	2,7	0,0	277	96,9%
up to 1 year	254	221	33	0,9	0,0	-221	-87,0%
up to 3 years	99 500	91 438	14 953	0,9	0,1	-84 547	-85,0%
more than 3 years	626	51	575	0,1	0,0	-51	-8,1%
Past-due	1 202	48	1 247	0,0	0,0	45	3,7%
Past-due	1 202	48	1 247	0,0	0,0	45	3,7%
Provision for impairment of loans to individuals	-6 109	4 319	-2 160	0,7	0,0	3 949	-64,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	52 804	707 209	39 086	13,4	0,6	-13 718	-26,0%
Mandatory reserves with Central Bank	27 427	689	26 880	0,0	0,0	-547	-2,0%
Premises and equipment	13 717	431	13 417	0,0	0,0	-300	-2,2%
Purchase cost	24 891	187	24 835	0,0	0,0	-56	-0,2%
Depreciation	-11 174	244	-11 418	0,0	0,0	-244	2,2%
Accrued interest not yet received	1 654	8 453	5 019	5,1	0,0	3 365	203,4%
Other assets	28 683	675 205	24 143	23,5	0,5	-4 540	-15,8%
Provision for impairment of other assets	-18 677	25 796	-30 373	1,4	0,0	-11 696	62,6%
LIABILITIES	999 196	3 905 405	1 072 661	3,9	3,2	73 465	7,4%
Dues to banks	-	1 385 000	-	-	-	-	-
Term	-	1 385 000	-	-	-	-	-
Residents	-	1 385 000	-	-	-	-	-
up to 30 days	-	1 385 000	-	-	-	-	-
On demand	209 702	2 059 100	276 427	9,8	1,7	66 725	31,8%
Corporate clients	170 452	1 966 161	250 201	11,5	1,6	79 749	46,8%
State-owned enterprises	18	-	18	0,0	0,0	-	0,0%
Residents	170 416	1 966 011	250 165	11,5	1,6	79 749	46,8%
Non-residents	18	150	18	8,3	0,0	-	0,0%
Individuals	39 250	105 963	26 226	2,7	0,1	-13 024	-33,2%
Residents	39 236	105 896	26 222	2,7	0,1	-13 014	-33,2%
Non-residents	14	67	4	4,8	0,0	-10	-71,4%
Term	775 479	85 677	773 463	0,1	0,1	-2 016	-0,3%
Corporate clients	319 640	-	319 640	0,0	0,0	-	0,0%
Residents	319 640	-	319 640	0,0	0,0	-	0,0%
more than 3 years	319 640	-	319 640	0,0	0,0	-	0,0%
Individuals	455 839	85 677	453 823	0,2	0,1	-2 016	-0,4%
residents	454 589	84 335	452 623	0,2	0,1	-1 966	-0,4%
up to 180 days	5 523	621	6 144	0,1	0,0	621	11,2%
up to 1 year	411 170	78 654	412 574	0,2	0,1	1 404	0,3%
up to 3 years	14 453	4 850	11 692	0,3	0,0	-2 761	-19,1%
more than 3 years	23 443	2 235	22 213	0,1	0,0	-1 230	-5,2%
non-residents	1 250	1 342	1 200	1,1	0,0	-50	-4,0%
up to 1 year	1 250	1 342	1 200	1,1	0,0	-50	-4,0%
Other liabilities	14 015	377 644	22 771	26,9	0,3	8 756	62,5%
Other liabilities	2 843	366 277	5 431	128,8	0,3	2 588	91,0%
Accrued interest not yet paid	11 172	11 367	17 340	1,0	0,0	6 168	55,2%
EQUITY	154 004	112 265	162 180	0,7	0,1	8 176	5,3%
Capital	369 490	-	369 490	0,0	0,0	-	0,0%
Profit from previous years	-110 651	-	-110 651	0,0	0,0	-	0,0%
Retained earnings from previous years	-110 651	-	-110 651	0,0	0,0	-	0,0%
Current year profit	-108 214	112 167	-95 158	1,0	0,1	13 056	-12,1%
Current year retained earnings	-108 214	112 167	-95 158	1,0	0,1	13 056	-12,1%
Future expenses	3 379	4 978	-1 501	1,5	0,0	-4 880	-144,4%
OFF-BALANCE SHEET	400 956	393 410	63 775	1,0	0,3	-337 181	-84,1%
Contingent liabilities	-42 427	208 410	-58 565	4,9	0,2	-16 138	38,0%
Unused credit limits opened	-42 427	208 410	-58 565	4,9	0,2	-16 138	38,0%
Collateral on loans	318 275	200 677	117 598	0,6	0,2	-200 677	-63,1%
goods	318 275	200 677	117 598	0,6	0,2	-200 677	-63,1%
Unprocessed payments	125 012	120 820	4 636	1,0	0,1	-120 376	-96,3%
Due to lack of funds on client accounts	125 012	120 820	4 636	1,0	0,1	-120 376	-96,3%
Other off-balance sheet accounts	96	17	106	0,2	0,0	10	10,4%
Accrued interest not yet received	96	17	106	0,2	0,0	10	10,4%
Credit card balances	286	779	563	2,7	0,0	277	96,9%
Past due ratio, total	14	-	16	0,0	0,0	2	14,3%
Past due ratio, individuals	118	-	718	0,0	0,0	600	508,5%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	1 342 849	-	1 350 892	0,0	0,0	8 043	0,6%