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

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Central Bank of Russia registration number: 3440

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.	01.05.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	483 982	1 141 695	479 305	2,4	2,4	-4 677	-1,0%
High liquid assets	118 327	807 530	120 419	6,8	1,7	2 092	1,8%
Cash and equivalents	80 001	768 827	104 827	9,6	1,6	24 826	31,0%
Cash	50 646	392 844	67 354	7,8	0,8	16 708	33,0%
in cash and en route	50 623	392 720	67 354	7,8	0,8	16 731	33,1%
in ATMs	23	147	-	6,4	0,0	-23	-100,0%
Nostro account with Central Bank	29 355	375 983	37 473	12,8	0,8	8 118	27,7%
Nostro accounts	31 758	32 099	10 048	1,0	0,1	-21 710	-68,4%
Residents	31 758	32 099	10 048	1,0	0,1	-21 710	-68,4%
Money in transfer	6 568	24 848	5 544	3,8	0,1	-1 024	-15,6%
Provision for impairment of high-liquid assets	-	4 490	-	-	-	-	-
Interest-earning assets	348 997	196 955	344 102	0,6	0,4	-4 895	-1,4%
Dues from banks	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
Securities	32 002	191 910	32 305	6,0	0,4	303	0,9%
Bonds	32 002	191 910	32 305	6,0	0,4	303	0,9%
Federal Loan Bonds (OFZs), OBRs	8 028	107 853	32 420	13,4	0,2	24 392	303,8%
Valuation allowance	-159	596	-115	3,7	0,0	44	-27,7%
Pledged under REPO	24 133	107 594	-	4,5	0,2	-24 133	-100,0%
Loans to corporate clients	230 050	5 127	225 073	0,0	0,0	-4 977	-2,2%
residents	230 351	5 127	225 374	0,0	0,0	-4 977	-2,2%
up to 30 days	394	150	417	0,4	0,0	23	5,8%
up to 1 year	214 957	-	214 957	0,0	0,0	-	0,0%
up to 3 years	15 000	5 000	10 000	0,3	0,0	-5 000	-33,3%
Provision for impairment of corporate loans	-301	-	-301	0,0	0,0	-	0,0%
residents	-301	-	-301	0,0	0,0	-	0,0%
Loans to private entrepreneurs	80 000	-	80 000	0,0	0,0	-	0,0%
up to 1 year	80 000	-	80 000	0,0	0,0	-	0,0%
Loans to individuals	6 945	221	6 724	0,0	0,0	-221	-3,2%
Standard	6 945	221	6 724	0,0	0,0	-221	-3,2%
up to 3 years	4 845	221	4 624	0,0	0,0	-221	-4,6%
more than 3 years	2 100	-	2 100	0,0	0,0	-	0,0%
Other assets	16 658	139 302	14 784	8,4	0,3	-1 874	-11,2%
Mandatory reserves with Central Bank	4 975	1 026	3 949	0,2	0,0	-1 026	-20,6%
Premises and equipment	3 497	66	3 431	0,0	0,0	-66	-1,9%
Purchase cost	5 455	-	5 455	0,0	0,0	-	0,0%
Depreciation	-1 958	66	-2 024	0,0	0,0	-66	3,4%
Accrued interest not yet received	-	6 775	-	-	-	-	-
Other assets	8 218	131 435	7 435	16,0	0,3	-783	-9,5%
Provision for impairment of other assets	-32	1	-31	0,0	0,0	1	-3,1%
LIABILITIES	297 580	546 679	293 636	1,8	1,1	-3 944	-1,3%
Dues to banks	23 019	102 798	106	4,5	0,2	-22 913	-99,5%
On demand	105	11	106	0,1	0,0	1	1,0%
Non-residents	105	11	106	0,1	0,0	1	1,0%
Term	22 914	102 788	-	4,5	0,2	-22 914	-100,0%
Residents	22 914	102 788	-	4,5	0,2	-22 914	-100,0%
up to 30 days	22 914	102 788	-	4,5	0,2	-22 914	-100,0%
On demand	89 742	415 697	107 188	4,6	0,9	17 446	19,4%
Corporate clients	89 742	415 697	107 188	4,6	0,9	17 446	19,4%
Residents	89 742	399 873	107 188	4,5	0,8	17 446	19,4%
Non-residents	-	15 824	-	-	-	-	-
Term	180 000	-	180 000	0,0	0,0	-	0,0%
Corporate clients	180 000	-	180 000	0,0	0,0	-	0,0%
Residents	150 000	-	150 000	0,0	0,0	-	0,0%
more than 3 years	150 000	-	150 000	0,0	0,0	-	0,0%
Non-residents	30 000	-	30 000	0,0	0,0	-	0,0%
more than 3 years	30 000	-	30 000	0,0	0,0	-	0,0%
Other liabilities	4 819	47 153	6 342	9,8	0,1	1 523	31,6%
Other liabilities	631	45 501	631	72,1	0,1	-	0,0%
Accrued interest not yet paid	4 188	1 652	5 711	0,4	0,0	1 523	36,4%
EQUITY	186 402	21 579	185 669	0,1	0,0	-733	-0,4%
Capital	163 800	-	163 800	0,0	0,0	-	0,0%
Profit from previous years	28 572	-	28 572	0,0	0,0	-	0,0%
Retained earnings from previous years	28 572	-	28 572	0,0	0,0	-	0,0%
Current year profit	-5 357	21 474	-6 154	4,0	0,0	-797	14,9%
Current year retained earnings	-5 357	21 474	-6 154	4,0	0,0	-797	14,9%
Future expenses	-613	169	-549	0,3	0,0	64	-10,4%
OFF-BALANCE SHEET	696 118	6 220	690 752	0,0	0,0	-5 366	-0,8%
Contingent liabilities	-30 043	5 000	-35 043	0,2	0,0	-5 000	16,6%
Unused credit limits opened	-30 043	5 000	-35 043	0,2	0,0	-5 000	16,6%
Collateral on loans	689 248	-	689 248	0,0	0,0	-	0,0%
goods	689 248	-	689 248	0,0	0,0	-	0,0%
Unprocessed payments	36 913	1 220	36 547	0,0	0,0	-366	-1,0%
Due to lack of funds on client accounts	36 913	1 220	36 547	0,0	0,0	-366	-1,0%
Other off-balance sheet accounts	-	-	-	-	-	-	-
Accrued interest not yet received	-	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	518 575	-	482 181	0,0	0,0	-36 394	-7,0%