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

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Central Bank of Russia registration number: 415 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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	1 454 500 915	1 472 315 528	1 612 459 059	1 430 663 167	-23 837 748	-1,6%
High liquid assets	701 632 402	630 991 494	673 571 485	651 408 983	-50 223 419	-7,2%
Cash and equivalents	372 484 908	332 480 511	381 483 461	203 878 259	-168 606 649	-45,3%
Cash	5 339 268	5 771 768	8 417 625	3 391 353	-1 947 915	-36,5%
in cash and en route	4 165 775	4 457 765	6 585 861	2 755 058	-1 410 717	-33,9%
in ATMs	1 173 493	1 314 003	1 831 764	636 295	-537 198	-45,8%
Nostro account with Central Bank	367 145 640	326 708 743	373 065 836	200 486 906	-166 658 734	-45,4%
Nostro accounts	177 559 172	174 732 473	210 109 429	296 321 206	118 762 034	66,9%
Non-residents	136 374 215	114 758 261	161 570 827	233 950 884	97 576 669	71,6%
Residents	41 184 957	59 974 212	48 538 602	62 370 322	21 185 365	51,4%
Money in transfer	151 587 621	123 778 485	81 978 586	151 209 287	-378 334	-0,2%
Provision for impairment of high-liquid assets	701	25	9	231	-470	-67,0%
Interest-earning assets	476 584 704	460 331 424	532 096 585	400 092 589	-76 492 115	-16,1%
Dues from banks	469 025 898	455 092 821	527 075 304	389 841 568	-79 184 330	-16,9%
Central Bank of Russia	94 739 670	130 400 000	147 900 000	26 956 190	-67 783 480	-71,5%
Residents	279 897 015	243 556 968	261 701 857	163 066 648	-116 830 367	-41,7%
up to 30 days	279 819 081	243 556 968	246 701 857	163 066 648	-116 752 433	-41,7%
up to 180 days	77 934	-	15 000 000	-	-77 934	-100,0%
Non-residents	94 380 368	81 128 621	117 471 311	199 808 659	105 428 291	111,7%
up to 30 days	94 380 212	81 127 967	117 471 028	199 808 090	105 427 878	111,7%
more than 180 days	156	654	283	569	413	264,7%
Provision for impairment of loans to banks	8 845	7 232	2 136	10 071	1 226	13,9%
Securities	3 958 312	3 023 119	1 660 971	2 608 717	-1 349 595	-34,1%
Bonds	3 958 312	3 023 119	1 660 971	2 608 717	-1 349 595	-34,1%
Federal Loan Bonds (OFZs), OBRs	72 908	1 501 517	162 902	1 455 052	1 382 144	1 895,7%
Corporate bonds	1 178 363	750 402	601 213	235 157	-943 206	-80,0%
Financial institutions bonds	47 673	43 067	458 698	47 538	-135	-0,3%
Corporate foreign bonds	2 653 618	707 278	333 251	629 619	-2 023 999	-76,3%
Valuation allowance	477	15 295	91 604	55 814	55 337	11 601,0%
Provision for impairment of bonds	5 273	5 560	13 303	185 537	180 264	3 418,6%
Loans to corporate clients	2 936 221	2 063 177	2 894 873	7 369 268	4 433 047	151,0%
residents	2 773 927	1 442 569	2 373 740	5 393 008	2 619 081	94,4%
up to 30 days	541 293	834 969	606 167	351 639	-189 654	-35,0%
up to 180 days	2 158 804	434 950	1 192 773	4 669 169	2 510 365	116,3%
up to 1 year	73 830	172 650	114 800	72 200	-1 630	-2,2%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	460 000	300 000	300 000	-
non-residents	2 601	10 914	4 729	9 489	6 888	264,8%
up to 30 days	2 601	10 914	4 729	9 489	6 888	264,8%
Past-due	-	-	-	9 033	9 033	-
residents	-	-	-	9 033	9 033	-
state-owned enterprises	-	-	-	-	-	-
Provision for impairment of corporate loans	159 693	609 694	516 404	1 957 738	1 798 045	1 125,9%
residents	159 680	609 681	516 404	1 957 738	1 798 058	1 126,0%
state-owned enterprises	13	13	-	-	-13	-100,0%
Loans to private entrepreneurs	500 000	-	335 000	196 504	-303 496	-60,7%
up to 180 days	500 000	-	335 000	195 000	-305 000	-61,0%
Provision for impairment of loans to private entrepreneurs	-	-	-	1 504	1 504	-
Loans to individuals	164 273	152 307	130 437	76 532	-87 741	-53,4%
Standard	128 647	126 641	111 230	62 078	-66 569	-51,7%
up to 30 days	10 273	12 893	12 647	11 459	1 186	11,5%
up to 180 days	-	-	-	-	-	-
up to 1 year	-	1 500	-	-	-	-
up to 3 years	7 553	8 646	6 600	990	-6 563	-86,9%
more than 3 years	110 821	103 602	91 983	49 629	-61 192	-55,2%
Past-due	2 031	2 410	1 557	1 785	-246	-12,1%
Past-due	2 031	2 410	1 557	1 785	-246	-12,1%
Provision for impairment of loans to individuals	33 595	23 256	17 650	12 669	-20 926	-62,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	276 283 809	380 992 610	406 790 989	379 161 595	102 877 786	37,2%
Mandatory reserves with Central Bank	-	65 044	83 955	34 038	34 038	-
Premises and equipment	1 689 708	2 637 674	768 348	970 355	-719 353	-42,6%
Purchase cost	1 682 999	2 634 741	767 653	959 909	-723 090	-43,0%
Depreciation	6 709	2 933	695	10 446	3 737	55,7%
Accrued interest not yet received	398 548	448 127	408 383	410 385	11 837	3,0%
Other assets	274 076 693	377 501 555	404 919 759	375 930 960	101 854 267	37,2%
Provision for impairment of other assets	98 630	340 210	595 600	1 693 703	1 595 073	1 617,2%
Derivatives - assets	5 639	-	14 944	-	-5 639	-100,0%
Deferred tax asset	14 591	-	-	122 154	107 563	737,2%
LIABILITIES	553 682 276	678 504 243	749 546 482	619 689 781	66 007 505	11,9%
Dues to banks	8 538 939	8 503 613	6 261 893	26 433 570	17 894 631	209,6%
Term	1 765 904	4 126 000	1 207 014	506 949	-1 258 955	-71,3%
Residents	1 765 904	4 126 000	1 207 014	506 949	-1 258 955	-71,3%
up to 30 days	1 725 204	4 126 000	1 207 014	506 949	-1 218 255	-70,6%
more than 180 days	40 700	-	-	-	-40 700	-100,0%
Other dues to banks	6 773 035	4 377 613	5 054 879	25 926 621	19 153 586	282,8%
On demand	227 755 629	240 945 156	295 726 482	248 701 201	20 945 572	9,2%
Corporate clients	217 108 058	224 839 002	284 635 024	243 867 069	26 759 011	12,3%
State-owned enterprises	-	-	-	-	-	-
Residents	217 105 633	224 835 616	284 591 317	243 864 377	26 758 744	12,3%
Non-residents	2 425	3 386	43 707	2 692	267	11,0%
Individuals	10 647 570	16 094 380	11 090 850	4 790 906	-5 856 664	-55,0%
Residents	10 527 997	16 016 989	10 973 860	4 743 473	-5 784 524	-54,9%
Non-residents	119 573	77 391	116 990	47 433	-72 140	-60,3%
Brokerage accounts	1	11 774	608	43 226	43 225	4 322 500,0%
Residents	1	11 774	608	43 226	43 225	4 322 500,0%
Term	63 536 811	80 598 409	75 369 853	35 759 092	-27 777 719	-43,7%
Corporate clients	61 798 089	79 524 425	73 660 706	34 023 630	-27 774 459	-44,9%
Residents	61 798 089	79 524 425	73 660 706	34 023 630	-27 774 459	-44,9%
up to 30 days	42 070 344	60 444 637	59 848 406	30 640 487	-11 429 857	-27,2%
up to 180 days	19 671 745	18 681 501	13 634 792	3 307 434	-16 364 311	-83,2%
up to 1 year	-	687	147 970	47 409	47 409	-
up to 3 years	56 000	397 600	29 538	28 300	-27 700	-49,5%
Individuals	1 738 722	1 073 984	1 709 147	1 735 462	-3 260	-0,2%
residents	1 738 722	1 073 984	1 709 147	1 735 462	-3 260	-0,2%
up to 180 days	170 755	451 834	305 869	276 127	105 372	61,7%
up to 1 year	17 894	22 368	80 485	26 667	8 773	49,0%
up to 3 years	1 531 287	423 992	991 850	1 223 407	-307 880	-20,1%
more than 3 years	18 786	175 790	330 943	209 261	190 475	1 013,9%
Securities issued	190	104	176	108	-82	-43,2%
Promissory notes	190	104	176	108	-82	-43,2%
on demand	190	104	176	108	-82	-43,2%
Other liabilities	253 850 707	348 456 961	372 188 078	308 795 810	54 945 103	21,6%
Other liabilities	253 631 306	348 097 589	371 756 581	308 409 971	54 778 665	21,6%
Accrued interest not yet paid	199 467	340 286	395 653	330 529	131 062	65,7%
Derivatives - liabilities	5 343	19 086	35 844	15 560	10 217	191,2%
Deferred tax liabilities	14 591	-	-	39 750	25 159	172,4%
EQUITY	3 393 141	5 878 168	5 378 615	301 521 756	298 128 615	8 786,2%
Capital	156 939	64 056	21 943	264 426	107 487	68,5%
Profit from previous years	-	-	-	217 815 137	217 815 137	-
Retained earnings from previous years	-	-	-	217 815 137	217 815 137	-
Current year profit	3 236 202	5 814 112	5 356 672	83 442 193	80 205 991	2 478,4%
Current year retained earnings	3 236 202	5 814 112	5 356 672	83 442 193	80 205 991	2 478,4%
OFF-BALANCE SHEET	3 592 206	2 506 934	3 491 109	5 791 011	2 198 805	61,2%
Contingent liabilities	3 464 576	1 863 535	2 785 768	5 610 010	2 145 434	61,9%
Guarantees issued	60 219	11 027	83 361	57 212	-3 007	-5,0%
Unused credit limits opened	3 348 597	1 799 084	2 407 790	5 513 976	2 165 379	64,7%
Unused guarantee limits	55 760	53 424	294 617	38 822	-16 938	-30,4%
Collateral on loans	126 010	637 562	521 846	172 354	46 344	36,8%
goods	28 635	560 898	436 679	124 377	95 742	334,4%
securities	97 375	76 664	85 167	47 977	-49 398	-50,7%
Unprocessed payments	1 614	5 811	183 487	8 647	7 033	435,7%
Due to lack of funds on client accounts	1 614	5 811	183 487	8 647	7 033	435,7%
Other off-balance sheet accounts	6	26	8	-	-6	-100,0%
Written-off interest	-	-	-	-	-	-
Written-off loans	6	26	8	-	-6	-100,0%
Credit card balances	10 273	12 893	12 647	11 459	1 186	11,5%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-