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

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	CETELEM BANK	add to comparison
Central Bank of Russia registration number: 2168 state-controlled, retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	216 277 234	195 205 734	192 767 213	164 476 940	-51 800 294	-24,0%
High liquid assets	115 163 497	102 111 834	102 255 990	85 847 663	-29 315 834	-25,5%
Cash and equivalents	97 635 064	84 171 890	82 553 588	70 265 342	-27 369 722	-28,0%
Cash	851 830	651 064	752 210	566 232	-285 598	-33,5%
in cash and en route	851 830	651 064	752 210	566 232	-285 598	-33,5%
Nostro account with Central Bank	96 783 234	83 520 826	81 801 378	69 699 110	-27 084 124	-28,0%
Nostro accounts	7 812 362	7 729 658	8 560 153	6 882 777	-929 585	-11,9%
Residents	7 812 362	7 729 658	8 560 153	6 882 777	-929 585	-11,9%
Money in transfer	9 716 071	10 210 286	11 142 249	8 699 544	-1 016 527	-10,5%
Interest-earning assets	89 128 712	81 890 151	75 067 507	70 201 471	-18 927 241	-21,2%
Dues from banks	74 185 000	66 030 027	57 040 021	54 850 009	-19 334 991	-26,1%
Residents	74 185 000	66 030 000	57 040 000	54 850 000	-19 335 000	-26,1%
up to 30 days	74 185 000	66 030 000	57 040 000	54 850 000	-19 335 000	-26,1%
Provision for impairment of loans to banks	-	27	21	9	9	-
Loans to corporate clients	5 485	36 707	5 375	14 334	8 849	161,3%
residents	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	3 106	35 008	4 951	14 330	11 224	361,4%
residents	3 106	35 008	4 951	14 330	11 224	361,4%
Provision for impairment of corporate loans	2 379	1 699	424	4	-2 375	-99,8%
residents	2 379	1 699	424	4	-2 375	-99,8%
state-owned enterprises	-	-	-	-	-	-
Loans to individuals	14 938 227	15 823 417	18 022 111	15 337 128	398 901	2,7%
Standard	11 371 072	12 088 639	14 407 404	12 063 492	692 420	6,1%
up to 30 days	1 863	1 835	1 657	1 863	-	0,0%
up to 180 days	397	211	507	255	-142	-35,8%
up to 1 year	14 615	22 095	14 855	17 619	3 004	20,6%
up to 3 years	624 899	568 356	630 480	655 282	30 383	4,9%
more than 3 years	10 729 298	11 496 142	13 759 905	11 388 473	659 175	6,1%
Past-due	854 236	843 052	920 333	1 011 572	157 336	18,4%
Past-due	854 236	843 052	920 333	1 011 572	157 336	18,4%
Provision for impairment of loans to individuals	2 712 919	2 891 726	2 694 374	2 262 064	-450 855	-16,6%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	11 985 025	11 203 749	15 443 716	8 427 806	-3 557 219	-29,7%
Mandatory reserves with Central Bank	2 068	551	-	5 092	3 024	146,2%
Premises and equipment	8 000 985	7 675 074	11 111 020	4 490 164	-3 510 821	-43,9%
Purchase cost	7 992 874	7 674 524	10 781 102	4 488 629	-3 504 245	-43,8%
Depreciation	8 111	550	329 918	1 535	-6 576	-81,1%
Accrued interest not yet received	1 875 088	1 846 106	1 924 882	1 964 926	89 838	4,8%
Other assets	1 596 698	990 489	1 747 815	1 424 352	-172 346	-10,8%
Provision for impairment of other assets	510 186	691 529	659 999	543 272	33 086	6,5%
LIABILITIES	64 737 367	58 684 048	77 129 053	48 002 269	-16 735 098	-25,9%
Dues to banks	8 695 745	4 686 761	5 676 641	3 205 637	-5 490 108	-63,1%
Term	8 500 000	4 500 000	5 500 000	3 000 000	-5 500 000	-64,7%
Residents	8 500 000	4 500 000	5 500 000	3 000 000	-5 500 000	-64,7%
up to 180 days	4 500 000	500 000	1 500 000	-	-4 500 000	-100,0%
more than 180 days	4 000 000	4 000 000	4 000 000	3 000 000	-1 000 000	-25,0%
Other dues to banks	195 745	186 761	176 641	205 637	9 892	5,1%
On demand	36 524 943	35 912 068	46 386 823	31 514 055	-5 010 888	-13,7%
Corporate clients	11 357 012	9 926 917	16 599 206	6 988 588	-4 368 424	-38,5%
Residents	11 357 012	9 926 917	16 599 206	6 988 588	-4 368 424	-38,5%
Individuals	25 167 931	25 985 151	29 787 617	24 525 467	-642 464	-2,6%
Residents	25 167 931	25 985 151	29 787 617	24 525 467	-642 464	-2,6%
Other liabilities	19 516 679	18 085 219	25 065 589	13 282 577	-6 234 102	-31,9%
Other liabilities	18 743 623	17 310 973	24 333 242	12 270 010	-6 473 613	-34,5%
Accrued interest not yet paid	773 056	774 246	732 347	1 012 567	239 511	31,0%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	3 181 966	3 037 897	3 363 734	163 480 709	160 298 743	5 037,7%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	119 103 647	119 103 647	-
Retained earnings from previous years	-	-	-	119 103 647	119 103 647	-
Current year profit	3 181 966	3 037 897	3 363 734	44 377 062	41 195 096	1 294,6%
Current year retained earnings	3 181 966	3 037 897	3 363 734	44 377 062	41 195 096	1 294,6%
OFF-BALANCE SHEET	21 135 374	20 438 011	27 549 464	14 528 946	-6 606 428	-31,3%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	5 473 821	5 150 179	7 776 933	3 944 092	-1 529 729	-27,9%
Unused credit limits opened	5 473 821	5 150 179	7 776 933	3 944 092	-1 529 729	-27,9%
Collateral on loans	15 661 553	15 180 082	19 584 373	10 584 854	-5 076 699	-32,4%
goods	15 661 553	15 180 082	19 584 373	10 584 854	-5 076 699	-32,4%
Unprocessed payments	-	-	-	-	-	-
Due to lack of funds on client accounts	-	-	-	-	-	-
Other off-balance sheet accounts	-	107 750	188 158	-	-	-
Written-off interest	-	12 400	47 757	-	-	-
Written-off loans	-	95 350	140 401	-	-	-
Credit card balances	1 863	1 835	1 657	1 863	-	0,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-