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

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	TERRA	add to comparison
Central Bank of Russia registration number: 3476

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.	01.06.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	628 242	139 340	591 715	0,2	0,2	-36 527	-5,8%
High liquid assets	116 302	68 709	75 387	0,6	0,1	-40 915	-35,2%
Cash and equivalents	114 822	67 117	74 303	0,6	0,1	-40 519	-35,3%
Cash	46 802	52 895	16 697	1,1	0,1	-30 105	-64,3%
in cash and en route	46 802	52 895	16 697	1,1	0,1	-30 105	-64,3%
Nostro account with Central Bank	68 020	14 222	57 606	0,2	0,0	-10 414	-15,3%
Nostro accounts	1 480	1 592	1 084	1,1	0,0	-396	-26,8%
Residents	1 480	1 592	1 084	1,1	0,0	-396	-26,8%
Interest-earning assets	386 411	69 191	391 010	0,2	0,1	4 599	1,2%
Loans to corporate clients	295 600	42 064	253 554	0,1	0,1	-42 046	-14,2%
residents	322 105	1 400	320 705	0,0	0,0	-1 400	-0,4%
up to 30 days	1 400	1 400	-	1,0	0,0	-1 400	-100,0%
up to 1 year	15 787	-	15 787	0,0	0,0	-	0,0%
up to 3 years	173 400	-	173 400	0,0	0,0	-	0,0%
more than 3 years	131 518	-	131 518	0,0	0,0	-	0,0%
Past-due	48 530	-	48 530	0,0	0,0	-	0,0%
residents	48 530	-	48 530	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-75 035	40 664	-115 681	0,5	0,1	-40 646	54,2%
residents	-75 035	40 664	-115 681	0,5	0,1	-40 646	54,2%
Loans to individuals	90 811	69 177	137 456	0,8	0,1	46 645	51,4%
Standard	115 237	67 168	174 003	0,6	0,1	58 766	51,0%
up to 180 days	-	5 000	-	-	-	-	-
up to 1 year	4 954	5 500	8 243	1,1	0,0	3 289	66,4%
up to 3 years	60 221	474	59 747	0,0	0,0	-474	-0,8%
more than 3 years	50 062	56 668	106 013	1,1	0,1	55 951	111,8%
Memo: mortgage loans	49 428	-	100 420	0,0	0,0	50 992	103,2%
Past-due	168	26	174	0,2	0,0	6	3,6%
Past-due	168	26	174	0,2	0,0	6	3,6%
Memo: mortgage loans past-due	163	-	174	0,0	0,0	11	6,7%
Provision for impairment of loans to individuals	-24 594	14 106	-36 721	0,6	0,0	-12 127	49,3%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	125 529	6 039	125 318	0,0	0,0	-211	-0,2%
Mandatory reserves with Central Bank	8 604	86	8 690	0,0	0,0	86	1,0%
Premises and equipment	10 103	270	9 876	0,0	0,0	-227	-2,2%
Purchase cost	14 935	43	14 935	0,0	0,0	-	0,0%
Depreciation	-4 832	227	-5 059	0,0	0,0	-227	4,7%
Accrued interest not yet received	-	4 596	-	-	-	-	-
Other assets	111 875	1 172	111 806	0,0	0,0	-69	-0,1%
Provision for impairment of other assets	-5 053	1	-5 054	0,0	0,0	-1	0,0%
LIABILITIES	267 602	86 639	286 702	0,3	0,1	19 100	7,1%
On demand	1 946	78 173	20 037	40,2	0,1	18 091	929,7%
Corporate clients	1 946	78 173	20 037	40,2	0,1	18 091	929,7%
Residents	1 946	78 173	20 037	40,2	0,1	18 091	929,7%
Term	264 438	986	265 424	0,0	0,0	986	0,4%
Corporate clients	264 438	986	265 424	0,0	0,0	986	0,4%
Residents	264 438	986	265 424	0,0	0,0	986	0,4%
more than 3 years	264 438	986	265 424	0,0	0,0	986	0,4%
Securities issued	66	6	65	0,1	0,0	-1	-1,5%
Promissory notes	66	6	65	0,1	0,0	-1	-1,5%
more than 3 years	66	6	65	0,1	0,0	-1	-1,5%
Other liabilities	1 152	7 475	1 176	6,5	0,0	24	2,1%
Other liabilities	1 039	7 465	1 065	7,2	0,0	26	2,5%
Accrued interest not yet paid	113	12	111	0,1	0,0	-2	-1,8%
EQUITY	360 640	63 507	305 013	0,2	0,1	-55 627	-15,4%
Capital	206 257	-	206 257	0,0	0,0	-	0,0%
Profit from previous years	106 583	-	106 583	0,0	0,0	-	0,0%
Retained earnings from previous years	106 583	-	106 583	0,0	0,0	-	0,0%
Current year profit	48 644	63 270	-6 882	1,3	0,1	-55 526	-114,1%
Current year retained earnings	48 644	63 270	-6 882	1,3	0,1	-55 526	-114,1%
Future expenses	-844	237	-945	0,3	0,0	-101	12,0%
OFF-BALANCE SHEET	1 937 608	12 995	1 933 715	0,0	0,0	-3 893	-0,2%
Collateral on loans	396 642	1 750	398 392	0,0	0,0	1 750	0,4%
goods	287 064	-	287 064	0,0	0,0	-	0,0%
securities	109 578	1 750	111 328	0,0	0,0	1 750	1,6%
Unprocessed payments	1 526 010	11 239	1 519 408	0,0	0,0	-6 602	-0,4%
Due to lack of funds on client accounts	1 526 010	11 239	1 519 408	0,0	0,0	-6 602	-0,4%
Other off-balance sheet accounts	14 956	965	15 915	0,1	0,0	959	6,4%
Accrued interest not yet received	14 956	965	15 915	0,1	0,0	959	6,4%
Past due ratio, total	1 002	-	896	0,0	0,0	-106	-10,6%
Past due ratio, individuals	29	-	20	0,0	0,0	-9	-31,0%
Past due ratio, corporates	1 309	-	1 314	0,0	0,0	5	0,4%
Past due ratio, corporates + entrepreneurs	1 309	-	1 314	0,0	0,0	5	0,4%
Risk-weighted assets	907 948	-	888 471	0,0	0,0	-19 477	-2,1%