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.


Turnover by thous. rub.					Period change
ASSETS	3 788 743	3 940 378	2 905 648	3 337 368	-451 375	-11,9%
High liquid assets	3 063 076	3 304 430	2 263 301	2 608 706	-454 370	-14,8%
Cash and equivalents	2 933 081	3 213 383	2 156 179	2 513 889	-419 192	-14,3%
Cash	777 478	766 299	512 755	563 997	-213 481	-27,5%
in cash and en route	777 402	766 212	512 675	563 901	-213 501	-27,5%
in ATMs	76	87	80	96	20	26,3%
Nostro account with Central Bank	2 155 603	2 447 084	1 643 424	1 949 892	-205 711	-9,5%
Nostro accounts	88 285	61 811	78 187	62 757	-25 528	-28,9%
Residents	88 285	61 811	78 187	62 757	-25 528	-28,9%
Money in transfer	41 710	29 162	28 935	31 986	-9 724	-23,3%
Provision for impairment of high-liquid assets	-	74	-	74	74	-
Interest-earning assets	477 167	463 489	466 580	373 174	-103 993	-21,8%
Dues from banks	-	45 000	-	-	-	-
Residents	-	45 000	-	-	-	-
up to 30 days	-	45 000	-	-	-	-
Loans to corporate clients	472 538	395 422	372 681	356 403	-116 135	-24,6%
residents	282 779	245 668	269 060	194 445	-88 334	-31,2%
up to 180 days	-	5 100	-	-	-	-
up to 1 year	173 979	133 048	118 060	155 832	-18 147	-10,4%
up to 3 years	108 800	107 520	151 000	35 330	-73 470	-67,5%
more than 3 years	-	-	-	3 283	3 283	-
Past-due	58 274	72 046	18 567	67 074	8 800	15,1%
residents	58 274	72 046	18 567	67 074	8 800	15,1%
Provision for impairment of corporate loans	131 485	77 708	85 054	94 884	-36 601	-27,8%
residents	131 485	77 708	85 054	94 884	-36 601	-27,8%
Loans to individuals	4 629	23 067	93 899	16 771	12 142	262,3%
Standard	535	19 596	89 046	15 982	15 447	2 887,3%
up to 30 days	-	-	60 000	-	-	-
up to 180 days	-	-	-	200	200	-
up to 1 year	535	300	-	160	-375	-70,1%
up to 3 years	-	19 296	29 046	15 622	15 622	-
more than 3 years	-	-	-	-	-	-
Past-due	152	132	413	132	-20	-13,2%
Past-due	152	132	413	132	-20	-13,2%
Provision for impairment of loans to individuals	3 942	3 339	4 440	657	-3 285	-83,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	248 500	172 459	175 767	355 488	106 988	43,1%
Mandatory reserves with Central Bank	128	808	523	826	698	545,3%
Premises and equipment	797	564	4 518	1 096	299	37,5%
Purchase cost	797	564	4 082	1 059	262	32,9%
Depreciation	-	-	436	37	37	-
Accrued interest not yet received	56 139	53 792	53 784	51 926	-4 213	-7,5%
Other assets	183 592	102 507	107 549	286 470	102 878	56,0%
Provision for impairment of other assets	7 386	14 788	9 393	14 485	7 099	96,1%
Deferred tax asset	458	-	-	685	227	49,6%
LIABILITIES	3 809 823	3 411 077	3 494 126	3 429 655	-380 168	-10,0%
Dues to banks	790 000	850 000	362 000	390 000	-400 000	-50,6%
Term	790 000	850 000	362 000	390 000	-400 000	-50,6%
Residents	790 000	850 000	362 000	390 000	-400 000	-50,6%
up to 30 days	740 000	850 000	362 000	190 000	-550 000	-74,3%
up to 180 days	50 000	-	-	-	-50 000	-100,0%
more than 180 days	-	-	-	200 000	200 000	-
On demand	2 641 773	2 273 583	2 815 127	2 747 480	105 707	4,0%
Corporate clients	2 399 240	2 115 394	2 450 479	2 332 230	-67 010	-2,8%
State-owned enterprises	2 591	1 802	1 572	1 488	-1 103	-42,6%
Residents	2 390 909	2 102 344	2 435 518	2 317 864	-73 045	-3,1%
Non-residents	5 740	11 248	13 389	12 878	7 138	124,4%
Individuals	242 533	158 189	364 648	415 250	172 717	71,2%
Residents	242 533	158 189	364 648	415 120	172 587	71,2%
Non-residents	-	-	-	130	130	-
Term	236 466	186 872	199 197	117 665	-118 801	-50,2%
Corporate clients	-	-	8 000	-	-	-
Residents	-	-	8 000	-	-	-
up to 180 days	-	-	6 000	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	2 000	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	236 466	186 872	191 197	117 665	-118 801	-50,2%
residents	236 466	186 872	191 197	117 665	-118 801	-50,2%
up to 180 days	1 384	7 437	3 019	2 054	670	48,4%
up to 1 year	27 370	7 879	1 343	3 099	-24 271	-88,7%
up to 3 years	207 712	171 556	186 835	112 512	-95 200	-45,8%
Securities issued	1 000	-	-	45 000	44 000	4 400,0%
Promissory notes	1 000	-	-	45 000	44 000	4 400,0%
on demand	1 000	-	-	45 000	44 000	4 400,0%
Other liabilities	140 584	100 622	117 802	129 510	-11 074	-7,9%
Other liabilities	114 117	76 798	96 878	102 263	-11 854	-10,4%
Accrued interest not yet paid	24 995	23 824	20 924	27 247	2 252	9,0%
Deferred tax liabilities	1 472	-	-	-	-1 472	-100,0%
EQUITY	200 309	171 454	197 310	321 912	121 603	60,7%
Capital	-	-	-	-	-	-
Profit from previous years	-	10 837	-	-	-	-
Retained earnings from previous years	-	10 837	-	-	-	-
Current year profit	200 284	160 503	197 106	321 901	121 617	60,7%
Current year retained earnings	200 284	160 503	197 106	321 901	121 617	60,7%
Future expenses	25	114	204	11	-14	-56,0%
OFF-BALANCE SHEET	567 958	352 163	366 151	789 351	221 393	39,0%
Contingent liabilities	304 985	221 742	217 995	245 167	-59 818	-19,6%
Guarantees issued	-	20 000	-	3 000	3 000	-
Unused credit limits opened	304 985	201 742	217 995	242 167	-62 818	-20,6%
Collateral on loans	235 485	110 734	130 523	160 509	-74 976	-31,8%
goods	235 485	110 734	130 523	160 509	-74 976	-31,8%
Unprocessed payments	22 100	12 274	7 278	374 398	352 298	1 594,1%
Due to lack of funds on client accounts	22 100	12 274	7 278	374 398	352 298	1 594,1%
Other off-balance sheet accounts	5 388	7 413	10 355	9 277	3 889	72,2%
Accrued interest not yet received	5 388	7 413	10 355	9 277	3 889	72,2%
Credit card balances	-	-	60 000	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-