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

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	POCHTOBANK	add to comparison
Central Bank of Russia registration number: 1788 retail lending, retail funding

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	8 209 087	9 059 045	11 050 302	7 557 762	-651 325	-7,9%
High liquid assets	5 005 884	5 458 317	6 753 433	4 627 598	-378 286	-7,6%
Cash and equivalents	4 637 476	5 091 652	6 269 562	4 259 927	-377 549	-8,1%
Cash	1 070 661	1 210 942	1 382 979	941 110	-129 551	-12,1%
in cash and en route	1 070 661	1 210 942	1 382 979	941 110	-129 551	-12,1%
Nostro account with Central Bank	3 566 815	3 880 710	4 886 583	3 318 817	-247 998	-7,0%
Nostro accounts	326 152	326 009	435 051	332 925	6 773	2,1%
Residents	326 152	326 009	435 051	332 925	6 773	2,1%
Money in transfer	42 151	40 656	48 820	34 746	-7 405	-17,6%
Provision for impairment of high-liquid assets	105	-	-	-	-105	-100,0%
Interest-earning assets	3 176 049	3 399 222	4 255 919	2 912 041	-264 008	-8,3%
Dues from banks	3 070 000	3 310 000	4 125 000	2 840 000	-230 000	-7,5%
Central Bank of Russia	880 000	945 000	1 420 000	1 100 000	220 000	25,0%
Residents	2 190 000	2 365 000	2 705 000	1 740 000	-450 000	-20,5%
up to 30 days	2 190 000	2 365 000	2 705 000	1 740 000	-450 000	-20,5%
Loans to corporate clients	60 745	61 160	98 470	45 607	-15 138	-24,9%
residents	51 930	34 525	64 094	44 742	-7 188	-13,8%
up to 30 days	27 793	28 525	20 772	31 146	3 353	12,1%
up to 3 years	1 862	6 000	43 322	4 971	3 109	167,0%
more than 3 years	22 275	-	-	8 625	-13 650	-61,3%
Past-due	1 776	-	-	-	-1 776	-100,0%
residents	1 776	-	-	-	-1 776	-100,0%
Provision for impairment of corporate loans	7 039	26 635	34 376	865	-6 174	-87,7%
residents	7 039	26 635	34 376	865	-6 174	-87,7%
Loans to private entrepreneurs	4 950	6 227	7 594	6 173	1 223	24,7%
up to 30 days	4 925	6 200	7 560	6 150	1 225	24,9%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	25	27	34	23	-2	-8,0%
Loans to individuals	40 354	21 835	24 855	20 261	-20 093	-49,8%
Standard	37 100	5 570	950	4 400	-32 700	-88,1%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	5 000	-	-	-	-
more than 3 years	37 100	570	950	4 400	-32 700	-88,1%
Past-due	1 161	-	-	-	-1 161	-100,0%
Past-due	1 161	-	-	-	-1 161	-100,0%
Provision for impairment of loans to individuals	2 093	16 265	23 905	15 861	13 768	657,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	27 154	201 506	40 950	18 123	-9 031	-33,3%
Mandatory reserves with Central Bank	3	-	46	22	19	633,3%
Premises and equipment	3 969	117 383	11 105	-	-3 969	-100,0%
Purchase cost	3 969	108 555	11 105	-	-3 969	-100,0%
Depreciation	-	8 828	-	-	-	-
Accrued interest not yet received	7 696	7 441	7 432	7 729	33	0,4%
Other assets	13 568	75 180	14 621	9 387	-4 181	-30,8%
Provision for impairment of other assets	1 918	1 502	7 746	985	-933	-48,6%
LIABILITIES	1 162 036	1 255 193	1 552 635	1 090 944	-71 092	-6,1%
Dues to banks	-	-	270	-	-	-
Other dues to banks	-	-	270	-	-	-
On demand	1 006 947	1 116 770	1 397 602	956 501	-50 446	-5,0%
Corporate clients	938 757	1 019 748	1 344 282	907 396	-31 361	-3,3%
State-owned enterprises	348	730	1 063	5	-343	-98,6%
Residents	932 475	1 013 379	1 338 138	903 633	-28 842	-3,1%
Non-residents	5 934	5 639	5 081	3 758	-2 176	-36,7%
Individuals	68 190	97 022	53 320	49 105	-19 085	-28,0%
Residents	68 190	97 022	53 320	49 105	-19 085	-28,0%
Term	107 907	90 748	101 569	97 558	-10 349	-9,6%
Corporate clients	-	-	600	5 600	5 600	-
Residents	-	-	600	5 600	5 600	-
up to 30 days	-	-	600	5 600	5 600	-
up to 1 year	-	-	-	-	-	-
Individuals	107 907	90 748	100 969	91 958	-15 949	-14,8%
residents	107 907	90 748	100 969	91 958	-15 949	-14,8%
up to 180 days	50 109	40 198	30 061	30 062	-20 047	-40,0%
up to 1 year	210	-	-	-	-210	-100,0%
up to 3 years	54 044	50 149	64 574	60 821	6 777	12,5%
more than 3 years	3 544	401	6 334	1 075	-2 469	-69,7%
Other liabilities	47 182	47 675	53 194	36 885	-10 297	-21,8%
Other liabilities	45 853	45 372	51 723	35 351	-10 502	-22,9%
Accrued interest not yet paid	1 329	1 522	1 471	1 534	205	15,4%
Deferred tax liabilities	-	781	-	-	-	-
EQUITY	27 062	29 925	73 544	886 978	859 916	3 177,6%
Capital	3 800	-	-	-	-3 800	-100,0%
Profit from previous years	-	-	-	419 831	419 831	-
Retained earnings from previous years	-	-	-	419 831	419 831	-
Current year profit	23 262	29 925	73 544	467 147	443 885	1 908,2%
Current year retained earnings	23 262	29 925	73 544	467 147	443 885	1 908,2%
OFF-BALANCE SHEET	87 333	143 582	155 564	52 844	-34 489	-39,5%
Contingent liabilities	51 606	34 725	71 654	44 268	-7 338	-14,2%
Unused credit limits opened	51 606	34 725	71 654	44 268	-7 338	-14,2%
Collateral on loans	31 480	105 459	46 240	5 928	-25 552	-81,2%
goods	31 480	105 459	46 240	5 928	-25 552	-81,2%
Unprocessed payments	4 247	3 398	37 670	2 648	-1 599	-37,7%
Due to lack of funds on client accounts	4 247	3 398	37 670	2 648	-1 599	-37,7%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-