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

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	REGIONALNIY KOMMERCHESKIY BANK	add to comparison
Central Bank of Russia registration number: 836

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.	01.08.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 853 983	3 481 351	2 710 000	1,2	1,3	-143 983	-5,0%
High liquid assets	312 180	2 784 664	136 222	8,9	1,0	-175 958	-56,4%
Cash and equivalents	292 783	2 687 236	119 436	9,2	1,0	-173 347	-59,2%
Cash	262 288	738 489	87 796	2,8	0,3	-174 492	-66,5%
in cash and en route	262 190	738 411	87 680	2,8	0,3	-174 510	-66,6%
in ATMs	98	96	116	1,0	0,0	18	18,4%
Nostro account with Central Bank	30 495	1 949 892	31 640	63,9	0,7	1 145	3,8%
Nostro accounts	22 016	65 915	18 858	3,0	0,0	-3 158	-14,3%
Residents	22 016	65 915	18 858	3,0	0,0	-3 158	-14,3%
Money in transfer	3 539	31 986	4 012	9,0	0,0	473	13,4%
Provision for impairment of high-liquid assets	-6 158	74	-6 084	0,0	0,0	74	-1,2%
Interest-earning assets	2 310 820	512 223	2 171 771	0,2	0,2	-139 049	-6,0%
Dues from banks	1 722	-	1 722	0,0	0,0	-	0,0%
Residents	1 722	-	1 722	0,0	0,0	-	0,0%
up to 30 days	1 722	-	1 722	0,0	0,0	-	0,0%
Loans to corporate clients	2 191 266	502 491	2 045 133	0,2	0,2	-146 133	-6,7%
residents	2 452 669	195 393	2 451 721	0,1	0,1	-948	-0,0%
up to 180 days	5 100	600	4 500	0,1	0,0	-600	-11,8%
up to 1 year	1 217 976	155 832	1 295 480	0,1	0,1	77 504	6,4%
up to 3 years	1 179 593	116 465	1 098 458	0,1	0,0	-81 135	-6,9%
more than 3 years	50 000	3 283	53 283	0,1	0,0	3 283	6,6%
Past-due	66 825	67 074	77 325	1,0	0,0	10 500	15,7%
residents	66 825	67 074	77 325	1,0	0,0	10 500	15,7%
Provision for impairment of corporate loans	-328 228	250 524	-483 913	0,8	0,1	-155 685	47,4%
residents	-328 228	250 524	-483 913	0,8	0,1	-155 685	47,4%
Loans to individuals	117 832	16 771	124 916	0,1	0,0	7 084	6,0%
Standard	119 285	15 982	130 980	0,1	0,0	11 695	9,8%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	30	200	220	6,7	0,0	190	633,3%
up to 1 year	840	160	964	0,2	0,0	124	14,8%
up to 3 years	113 452	15 622	125 168	0,1	0,0	11 716	10,3%
more than 3 years	4 963	335	4 628	0,1	0,0	-335	-6,7%
Past-due	1 706	132	1 837	0,1	0,0	131	7,7%
Past-due	1 706	132	1 837	0,1	0,0	131	7,7%
Provision for impairment of loans to individuals	-3 159	5 444	-7 901	1,7	0,0	-4 742	150,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	230 983	355 488	402 007	1,5	0,1	171 024	74,0%
Mandatory reserves with Central Bank	41 671	826	42 497	0,0	0,0	826	2,0%
Premises and equipment	133 316	1 647	132 765	0,0	0,0	-551	-0,4%
Purchase cost	166 935	1 059	167 021	0,0	0,0	86	0,1%
Depreciation	-33 619	674	-34 256	0,0	0,0	-637	1,9%
Accrued interest not yet received	52 466	53 494	50 898	1,0	0,0	-1 568	-3,0%
Other assets	15 230	286 470	191 659	18,8	0,1	176 429	1 158,4%
Provision for impairment of other assets	-12 158	19 282	-16 955	1,6	0,0	-4 797	39,5%
Deferred tax asset	458	685	1 143	1,5	0,0	685	149,6%
LIABILITIES	2 506 965	3 429 655	2 327 013	1,4	1,3	-179 952	-7,2%
Dues to banks	200 000	390 000	-	2,0	0,1	-200 000	-100,0%
Term	200 000	390 000	-	2,0	0,1	-200 000	-100,0%
Residents	200 000	390 000	-	2,0	0,1	-200 000	-100,0%
up to 30 days	-	190 000	-	-	-	-	-
more than 180 days	200 000	200 000	-	1,0	0,1	-200 000	-100,0%
On demand	263 829	2 782 725	299 074	10,5	1,0	35 245	13,4%
Corporate clients	200 753	2 377 703	246 226	11,8	0,9	45 473	22,7%
State-owned enterprises	179	1 501	192	8,4	0,0	13	7,3%
Residents	200 574	2 363 324	246 034	11,8	0,9	45 460	22,7%
Non-residents	-	12 878	-	-	-	-	-
Individuals	63 076	415 250	52 848	6,6	0,2	-10 228	-16,2%
Residents	63 076	415 120	52 848	6,6	0,2	-10 228	-16,2%
Non-residents	-	130	-	-	-	-	-
Term	1 970 222	121 866	1 974 423	0,1	0,0	4 201	0,2%
Corporate clients	113 713	5 000	118 713	0,0	0,0	5 000	4,4%
Residents	113 713	5 000	118 713	0,0	0,0	5 000	4,4%
up to 180 days	7 000	5 000	12 000	0,7	0,0	5 000	71,4%
up to 1 year	10 000	-	10 000	0,0	0,0	-	0,0%
up to 3 years	16 458	-	16 458	0,0	0,0	-	0,0%
more than 3 years	80 255	-	80 255	0,0	0,0	-	0,0%
Individuals	1 856 509	117 665	1 855 710	0,1	0,0	-799	-0,0%
residents	1 856 509	117 665	1 855 710	0,1	0,0	-799	-0,0%
up to 180 days	24 119	2 054	22 881	0,1	0,0	-1 238	-5,1%
up to 1 year	13 669	3 099	11 353	0,2	0,0	-2 316	-16,9%
up to 3 years	1 818 721	115 267	1 821 476	0,1	0,0	2 755	0,2%
Securities issued	45 000	45 000	-	1,0	0,0	-45 000	-100,0%
Promissory notes	45 000	45 000	-	1,0	0,0	-45 000	-100,0%
on demand	45 000	45 000	-	1,0	0,0	-45 000	-100,0%
Other liabilities	27 914	155 112	53 516	5,6	0,1	25 602	91,7%
Other liabilities	7 456	132 918	38 111	17,8	0,0	30 655	411,1%
Accrued interest not yet paid	11 862	27 247	6 809	2,3	0,0	-5 053	-42,6%
Deferred tax liabilities	8 596	-	8 596	0,0	0,0	-	0,0%
EQUITY	347 018	357 881	382 987	1,0	0,1	35 969	10,4%
Capital	374 958	181 000	555 958	0,5	0,1	181 000	48,3%
Current year profit	-25 835	321 901	-171 086	12,5	0,1	-145 251	562,2%
Current year retained earnings	-25 835	321 901	-171 086	12,5	0,1	-145 251	562,2%
Future expenses	-2 105	231	-1 885	0,1	0,0	220	-10,5%
OFF-BALANCE SHEET	3 580 533	789 351	3 988 856	0,2	0,3	408 323	11,4%
Contingent liabilities	-188 704	305 238	-248 775	1,6	0,1	-60 071	31,8%
Guarantees issued	-38 000	3 000	-35 000	0,1	0,0	3 000	-7,9%
Unused credit limits opened	-150 704	305 238	-213 775	2,0	0,1	-63 071	41,9%
Collateral on loans	3 373 681	254 817	3 467 989	0,1	0,1	94 308	2,8%
goods	3 373 681	254 817	3 467 989	0,1	0,1	94 308	2,8%
Unprocessed payments	383 646	374 398	752 726	1,0	0,1	369 080	96,2%
Due to lack of funds on client accounts	383 646	374 398	752 726	1,0	0,1	369 080	96,2%
Other off-balance sheet accounts	11 910	9 277	16 916	0,8	0,0	5 006	42,0%
Accrued interest not yet received	11 910	9 277	16 916	0,8	0,0	5 006	42,0%
Credit card balances	-	-	-	-	-	-	-
Past due ratio, total	260	-	297	0,0	0,0	37	14,2%
Past due ratio, individuals	141	-	138	0,0	0,0	-3	-2,1%
Past due ratio, corporates	265	-	306	0,0	0,0	41	15,5%
Past due ratio, corporates + entrepreneurs	265	-	306	0,0	0,0	41	15,5%
Risk-weighted assets	2 986 652	-	2 995 838	0,0	0,0	9 186	0,3%