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

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	SIBBIZNESBANK	add to comparison
Central Bank of Russia registration number: 2539

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.	01.05.2013	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 450 902	4 370 792	2 265 361	1,8	1,9	-185 541	-7,6%
High liquid assets	2 012 114	2 653 218	1 039 854	1,3	1,2	-972 260	-48,3%
Cash and equivalents	86 588	1 562 733	54 842	18,0	0,7	-31 746	-36,7%
Cash	42 187	391 672	41 331	9,3	0,2	-856	-2,0%
in cash and en route	40 404	387 840	39 380	9,6	0,2	-1 024	-2,5%
in ATMs	1 783	4 000	1 951	2,2	0,0	168	9,4%
Nostro account with Central Bank	44 401	1 171 061	13 511	26,4	0,5	-30 890	-69,6%
Nostro accounts	1 908 124	1 080 334	967 772	0,6	0,5	-940 352	-49,3%
Residents	1 908 124	1 080 334	967 772	0,6	0,5	-940 352	-49,3%
Money in transfer	17 537	10 145	17 253	0,6	0,0	-284	-1,6%
Provision for impairment of high-liquid assets	-135	128	-13	0,9	0,0	122	-90,4%
Interest-earning assets	314 999	840 615	1 115 340	2,7	0,4	800 341	254,1%
Dues from banks	5 400	800 000	805 400	148,1	0,4	800 000	14 814,8%
Residents	5 400	800 000	805 400	148,1	0,4	800 000	14 814,8%
up to 30 days	5 400	800 000	805 400	148,1	0,4	800 000	14 814,8%
more than 180 days	-	-	-	-	-	-	-
Loans to corporate clients	242 958	29 059	242 956	0,1	0,0	-2	-0,0%
residents	265 765	21 462	253 455	0,1	0,0	-12 310	-4,6%
up to 30 days	6 957	16 099	10	2,3	0,0	-6 947	-99,9%
up to 1 year	19 150	-	19 150	0,0	0,0	-	0,0%
up to 3 years	239 658	5 363	234 295	0,0	0,0	-5 363	-2,2%
Past-due	45 709	363	45 714	0,0	0,0	5	0,0%
residents	45 709	363	45 714	0,0	0,0	5	0,0%
Provision for impairment of corporate loans	-68 516	12 698	-56 213	0,2	0,0	12 303	-18,0%
residents	-68 516	12 698	-56 213	0,2	0,0	12 303	-18,0%
Loans to private entrepreneurs	75	17 715	379	236,2	0,0	304	405,3%
up to 30 days	75	978	379	13,0	0,0	304	405,3%
more than 3 years	8 333	8 333	-	1,0	0,0	-8 333	-100,0%
Past-due	333	8 333	8 366	25,0	0,0	8 033	2 412,3%
Provision for impairment of loans to private entrepreneurs	-8 666	8 404	-8 366	1,0	0,0	300	-3,5%
Loans to individuals	66 566	687	66 605	0,0	0,0	39	0,1%
Standard	87 511	366	87 232	0,0	0,0	-279	-0,3%
up to 30 days	67	87	106	1,3	0,0	39	58,2%
up to 3 years	70 000	-	70 000	0,0	0,0	-	0,0%
more than 3 years	17 444	318	17 126	0,0	0,0	-318	-1,8%
Past-due	197	279	307	1,4	0,0	110	55,8%
Past-due	197	279	307	1,4	0,0	110	55,8%
Provision for impairment of loans to individuals	-21 142	321	-20 934	0,0	0,0	208	-1,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	123 789	1 677 299	110 167	13,5	0,7	-13 622	-11,0%
Mandatory reserves with Central Bank	17 583	1 987	15 605	0,1	0,0	-1 978	-11,2%
Premises and equipment	68 553	772	68 022	0,0	0,0	-531	-0,8%
Purchase cost	105 686	241	105 725	0,0	0,0	39	0,0%
Depreciation	-37 133	570	-37 703	0,0	0,0	-570	1,5%
Accrued interest not yet received	13 779	17 338	620	1,3	0,0	-13 159	-95,5%
Non-current assets	29 929	-	29 929	0,0	0,0	-	0,0%
Other assets	15 471	1 657 115	11 629	107,1	0,7	-3 842	-24,8%
Provision for impairment of other assets	-21 526	5 975	-15 638	0,3	0,0	5 888	-27,4%
LIABILITIES	1 425 807	2 836 778	1 239 662	2,0	1,3	-186 145	-13,1%
Dues to banks	18 145	48 102	18 297	2,7	0,0	152	0,8%
On demand	18 145	46 067	18 297	2,5	0,0	152	0,8%
Residents	18 145	46 067	18 297	2,5	0,0	152	0,8%
Term	-	2 035	-	-	-	-	-
Residents	-	2 035	-	-	-	-	-
up to 30 days	-	2 035	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
On demand	242 988	1 087 629	193 814	4,5	0,5	-49 174	-20,2%
Corporate clients	146 974	955 230	152 017	6,5	0,4	5 043	3,4%
Residents	146 974	950 657	152 017	6,5	0,4	5 043	3,4%
Non-residents	-	4 573	-	-	-	-	-
Individuals	96 014	137 442	41 797	1,4	0,1	-54 217	-56,5%
Residents	93 720	106 969	41 304	1,1	0,0	-52 416	-55,9%
Non-residents	2 294	30 473	493	13,3	0,0	-1 801	-78,5%
Term	1 108 030	152 317	968 154	0,1	0,1	-139 876	-12,6%
Corporate clients	864 997	60 000	811 744	0,1	0,0	-53 253	-6,2%
Residents	753 256	60 000	700 003	0,1	0,0	-53 253	-7,1%
up to 1 year	5 000	-	5 000	0,0	0,0	-	0,0%
up to 3 years	528 256	6 747	535 003	0,0	0,0	6 747	1,3%
more than 3 years	220 000	60 000	160 000	0,3	0,0	-60 000	-27,3%
State-owned enterprises	111 741	-	111 741	0,0	0,0	-	0,0%
up to 3 years	111 741	-	111 741	0,0	0,0	-	0,0%
Individuals	243 033	92 317	156 410	0,4	0,0	-86 623	-35,6%
residents	242 708	92 317	156 040	0,4	0,0	-86 668	-35,7%
up to 1 year	2 710	708	2 020	0,3	0,0	-690	-25,5%
up to 3 years	107 105	47 507	64 256	0,4	0,0	-42 849	-40,0%
more than 3 years	132 893	44 102	89 764	0,3	0,0	-43 129	-32,5%
non-residents	325	45	370	0,1	0,0	45	13,8%
up to 3 years	325	45	370	0,1	0,0	45	13,8%
Securities issued	29 590	233	29 823	0,0	0,0	233	0,8%
Promissory notes	29 590	233	29 823	0,0	0,0	233	0,8%
up to 3 years	30 015	-	30 015	0,0	0,0	-	0,0%
Discount accrued	-425	233	-192	0,5	0,0	233	-54,8%
Other liabilities	27 054	1 551 402	29 574	57,3	0,7	2 520	9,3%
Other liabilities	14 688	1 543 236	19 973	105,1	0,7	5 285	36,0%
Accrued interest not yet paid	12 366	10 931	9 601	0,9	0,0	-2 765	-22,4%
EQUITY	1 025 095	35 131	1 025 699	0,0	0,0	604	0,1%
Capital	336 000	-	336 000	0,0	0,0	-	0,0%
Profit from previous years	694 619	-	694 619	0,0	0,0	-	0,0%
Retained earnings from previous years	694 619	-	694 619	0,0	0,0	-	0,0%
Current year profit	1 351	34 601	1 611	25,6	0,0	260	19,2%
Current year retained earnings	1 351	34 601	1 611	25,6	0,0	260	19,2%
Future expenses	-6 875	530	-6 531	0,1	0,0	344	-5,0%
OFF-BALANCE SHEET	1 304 700	33 649	1 298 636	0,0	0,0	-6 064	-0,5%
Contingent liabilities	-4 848	21 523	-137	4,4	0,0	4 711	-97,2%
Unused credit limits opened	-4 848	21 523	-137	4,4	0,0	4 711	-97,2%
Collateral on loans	1 312 807	11 441	1 301 366	0,0	0,0	-11 441	-0,9%
goods	1 309 327	11 441	1 297 886	0,0	0,0	-11 441	-0,9%
securities	3 480	-	3 480	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-3 259	1 337	-2 593	0,4	0,0	666	-20,4%
Accrued interest not yet received	5 395	685	5 402	0,1	0,0	7	0,1%
Written-off interest	-2 771	245	-2 526	0,1	0,0	245	-8,8%
Written-off loans	-5 883	414	-5 469	0,1	0,0	414	-7,0%
Credit card balances	67	87	106	1,3	0,0	39	58,2%
Past due ratio, total	1 134	-	1 375	0,0	0,0	241	21,3%
Past due ratio, individuals	22	-	35	0,0	0,0	13	59,1%
Past due ratio, corporates	1 468	-	1 528	0,0	0,0	60	4,1%
Past due ratio, entrepreneurs	381	-	9 567	0,0	0,0	9 186	2 411,0%
Past due ratio, corporates + entrepreneurs	1 438	-	1 756	0,0	0,0	318	22,1%