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

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	SEMBANK	add to comparison
Central Bank of Russia registration number: 2606

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	1 231 600	2 619 428	2 507 570	1 544 240	312 640	25,4%
High liquid assets	750 498	1 710 186	1 142 904	327 310	-423 188	-56,4%
Cash and equivalents	432 294	827 775	603 402	163 032	-269 262	-62,3%
Cash	229 922	310 212	234 559	29 333	-200 589	-87,2%
in cash and en route	229 922	310 212	234 559	29 333	-200 589	-87,2%
Nostro account with Central Bank	202 372	517 563	368 843	133 699	-68 673	-33,9%
Nostro accounts	23 234	29 956	28 447	14 394	-8 840	-38,0%
Non-residents	11 445	15 983	23 454	7 832	-3 613	-31,6%
Residents	11 789	13 973	4 993	6 562	-5 227	-44,3%
Money in transfer	223 072	769 372	409 025	67 087	-155 985	-69,9%
Exchange accounts	71 898	83 083	102 030	82 797	10 899	15,2%
Interest-earning assets	240 657	324 649	219 620	277 220	36 563	15,2%
Dues from banks	18	21	38	23	5	27,8%
Residents	18	21	38	23	5	27,8%
up to 30 days	10	21	38	23	13	130,0%
up to 180 days	8	-	-	-	-8	-100,0%
Securities	26 880	35 156	16 279	14 995	-11 885	-44,2%
Bonds	943	186	318	222	-721	-76,5%
Federal Loan Bonds (OFZs), OBRs	59	57	59	57	-2	-3,4%
Corporate bonds	146	45	48	47	-99	-67,8%
Financial institutions bonds	61	58	62	60	-1	-1,6%
Valuation allowance	677	26	149	58	-619	-91,4%
Stocks	25 937	34 970	15 961	14 773	-11 164	-43,0%
Residents	9 970	17 909	7 956	7 956	-2 014	-20,2%
Valuation allowance	1 013	151	49	850	-163	-16,1%
Pledged under REPO	14 954	16 910	7 956	5 967	-8 987	-60,1%
Loans to corporate clients	3 762	23 998	5 408	13 281	9 519	253,0%
residents	3 296	18 179	4 400	10 660	7 364	223,4%
up to 30 days	796	579	-	2 000	1 204	151,3%
up to 180 days	-	12 900	-	1 760	1 760	-
up to 1 year	1 000	4 700	4 400	6 900	5 900	590,0%
up to 3 years	1 500	-	-	-	-1 500	-100,0%
Past-due	-	2 521	-	2 120	2 120	-
residents	-	2 521	-	2 120	2 120	-
Provision for impairment of corporate loans	466	3 298	1 008	501	35	7,5%
residents	466	3 298	1 008	501	35	7,5%
Loans to individuals	209 997	265 474	197 895	248 921	38 924	18,5%
Standard	195 004	251 617	192 347	8 350	-186 654	-95,7%
up to 30 days	342	76 151	1 123	303	-39	-11,4%
up to 180 days	127 108	124 276	156 103	1 958	-125 150	-98,5%
up to 1 year	31 571	32 656	27 846	1 586	-29 985	-95,0%
up to 3 years	35 983	18 534	7 275	4 503	-31 480	-87,5%
Past-due	-	-	-	235 168	235 168	-
Past-due	-	-	-	235 168	235 168	-
Provision for impairment of loans to individuals	14 993	13 857	5 548	5 403	-9 590	-64,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	240 445	584 593	1 145 046	939 710	699 265	290,8%
Mandatory reserves with Central Bank	297	106	203	13 125	12 828	4 319,2%
Premises and equipment	30 297	3 510	17	2 025	-28 272	-93,3%
Purchase cost	30 297	3 510	17	2 025	-28 272	-93,3%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	144	117	118	61	-83	-57,6%
Other assets	207 319	578 509	1 142 380	923 710	716 391	345,6%
Provision for impairment of other assets	19	26	126	143	124	652,6%
Derivatives - assets	2 369	2 325	2 202	646	-1 723	-72,7%
LIABILITIES	989 767	1 612 006	1 746 834	1 655 099	665 332	67,2%
Dues to banks	68 155	13 295	15 541	36 087	-32 068	-47,1%
Term	68 155	13 295	6 886	35 090	-33 065	-48,5%
Residents	68 155	13 295	6 886	35 090	-33 065	-48,5%
more than 180 days	45 801	13 295	6 886	35 029	-10 772	-23,5%
Past-due	22 354	-	-	61	-22 293	-99,7%
Other dues to banks	-	-	8 655	997	997	-
On demand	746 968	1 118 105	839 797	600 730	-146 238	-19,6%
Corporate clients	246 313	410 048	343 961	504 158	257 845	104,7%
State-owned enterprises	101	90	53	986	885	876,2%
Residents	246 161	409 842	343 837	503 067	256 906	104,4%
Non-residents	51	116	71	105	54	105,9%
Individuals	421 306	522 664	392 113	37 292	-384 014	-91,1%
Residents	421 176	522 607	392 063	37 215	-383 961	-91,2%
Non-residents	130	57	50	77	-53	-40,8%
Brokerage accounts	79 349	185 393	103 723	59 280	-20 069	-25,3%
Residents	79 349	185 393	103 723	59 280	-20 069	-25,3%
Term	48 585	209 437	17 028	55 573	6 988	14,4%
Corporate clients	29 020	132 896	5 190	3 873	-25 147	-86,7%
Residents	29 020	132 896	5 190	3 873	-25 147	-86,7%
up to 30 days	14 018	11 728	4 152	3 872	-10 146	-72,4%
up to 180 days	15 002	121 168	1 030	-	-15 002	-100,0%
up to 1 year	-	-	8	1	1	-
up to 3 years	-	-	-	-	-	-
Individuals	19 565	76 541	11 838	51 700	32 135	164,2%
residents	19 401	76 376	11 753	51 630	32 229	166,1%
up to 30 days	88	240	-	-	-88	-100,0%
up to 180 days	383	4 932	1 656	41 566	41 183	10 752,7%
up to 1 year	3 585	51 016	386	1 651	-1 934	-53,9%
up to 3 years	12 060	5 747	4 798	2 987	-9 073	-75,2%
more than 3 years	3 285	14 441	4 913	5 426	2 141	65,2%
non-residents	164	165	85	70	-94	-57,3%
up to 1 year	1	1	-	-	-1	-100,0%
up to 3 years	163	164	85	70	-93	-57,1%
more than 3 years	-	-	-	-	-	-
Securities issued	-	-	3 403	-	-	-
Promissory notes	-	-	3 403	-	-	-
up to 3 years	-	-	3 403	-	-	-
Discount accrued	-	-	-	-	-	-
Other liabilities	126 059	271 169	871 065	962 709	836 650	663,7%
Other liabilities	117 673	262 045	865 303	920 236	802 563	682,0%
Accrued interest not yet paid	4 337	6 442	4 649	2 713	-1 624	-37,4%
Liabilities past-due	-	-	-	38 753	38 753	-
Derivatives - liabilities	4 049	2 682	1 113	1 007	-3 042	-75,1%
EQUITY	1 866 568	69 005	1 857 484	87 256	-1 779 312	-95,3%
Capital	-	-	-	-	-	-
Profit from previous years	909 917	16	1 801 166	-	-909 917	-100,0%
Retained earnings from previous years	909 917	16	1 801 166	-	-909 917	-100,0%
Current year profit	956 557	68 771	56 141	87 094	-869 463	-90,9%
Current year retained earnings	956 557	68 771	56 141	87 094	-869 463	-90,9%
Future expenses	94	218	177	162	68	72,3%
OFF-BALANCE SHEET	7 146	32 056	8 845	40 574	33 428	467,8%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	2 440	3 997	3 225	4 881	2 441	100,0%
Guarantees issued	-	-	-	-	-	-
Unused credit limits opened	2 440	3 997	3 225	4 881	2 441	100,0%
Collateral on loans	4 500	27 900	5 403	35 543	31 043	689,8%
goods	4 500	27 900	2 000	35 543	31 043	689,8%
securities	-	-	3 403	-	-	-
Other off-balance sheet accounts	206	159	217	150	-56	-27,2%
Accrued interest not yet received	191	128	160	114	-77	-40,3%
Written-off interest	-	-	-	-	-	-
Written-off loans	15	31	57	36	21	140,0%
Credit card balances	342	76 151	1 123	303	-39	-11,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-