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

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	POCHTA BANK	add to comparison
Central Bank of Russia registration number: 650 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	1 206 347 343	847 194 634	1 315 210 383	798 894 307	-407 453 036	-33,8%
High liquid assets	788 726 434	570 761 400	891 670 630	530 348 283	-258 378 151	-32,8%
Cash and equivalents	219 775 164	187 302 122	219 344 803	110 528 376	-109 246 788	-49,7%
Cash	51 205 170	48 080 376	53 985 968	34 146 926	-17 058 244	-33,3%
in cash and en route	10	26	18 018	7 983	7 973	79 730,0%
in ATMs	51 205 160	48 080 350	53 967 950	34 138 943	-17 066 217	-33,3%
Nostro account with Central Bank	168 569 994	139 221 746	165 358 835	76 381 450	-92 188 544	-54,7%
Nostro accounts	349 675 369	237 075 066	542 139 040	337 775 983	-11 899 386	-3,4%
Non-residents	6	8	21	93	87	1 450,0%
Residents	349 675 363	237 075 058	542 139 019	337 775 890	-11 899 473	-3,4%
Money in transfer	219 220 820	146 314 288	130 117 038	81 981 483	-137 239 337	-62,6%
Provision for impairment of high-liquid assets	55 081	69 924	69 749	62 441	7 360	13,4%
Interest-earning assets	399 311 241	265 124 204	407 157 978	257 079 636	-142 231 605	-35,6%
Dues from banks	325 747 057	194 999 140	331 500 000	196 000 000	-129 747 057	-39,8%
Central Bank of Russia	51 023 780	30 000 000	36 500 000	11 000 000	-40 023 780	-78,4%
Residents	274 723 277	164 999 140	295 000 000	185 000 000	-89 723 277	-32,7%
up to 30 days	154 723 277	104 999 140	140 000 000	130 000 000	-24 723 277	-16,0%
up to 180 days	120 000 000	60 000 000	155 000 000	55 000 000	-65 000 000	-54,2%
Loans to corporate clients	2 161	16 713	61 225	34 925	32 764	1 516,1%
residents	124	5 563	38 033	19 408	19 284	15 551,6%
up to 30 days	-	-	-	17 825	17 825	-
up to 180 days	124	-	-	-	-124	-100,0%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	4 000	38 000	1 414	1 414	-
more than 3 years	-	1 563	33	169	169	-
non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
state-owned enterprises	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	70	292	1 751	463	393	561,4%
residents	69	292	1 746	463	394	571,0%
state-owned enterprises	1	-	5	-	-1	-100,0%
Provision for impairment of corporate loans	1 967	10 858	21 441	15 054	13 087	665,3%
residents	1 967	10 858	21 441	15 054	13 087	665,3%
non-residents	-	-	-	-	-	-
state-owned enterprises	-	-	-	-	-	-
Loans to private entrepreneurs	549	1 090	456	108	-441	-80,3%
up to 3 years	213	635	-	15	-198	-93,0%
Past-due	18	43	12	6	-12	-66,7%
Provision for impairment of loans to private entrepreneurs	318	412	444	87	-231	-72,6%
Loans to individuals	73 561 474	70 107 261	75 596 297	61 044 603	-12 516 871	-17,0%
Standard	33 474 957	31 017 668	34 473 429	23 699 123	-9 775 834	-29,2%
up to 30 days	7 515 584	7 038 010	8 214 498	6 721 969	-793 615	-10,6%
up to 180 days	113 359	123 533	416 220	252 258	138 899	122,5%
up to 1 year	3 292 616	3 019 832	4 941 507	3 466 595	173 979	5,3%
up to 3 years	7 843 097	6 179 592	7 515 219	5 190 789	-2 652 308	-33,8%
more than 3 years	14 710 301	14 656 701	13 385 985	8 067 512	-6 642 789	-45,2%
Past-due	3 781 724	3 708 020	2 830 799	3 822 484	40 760	1,1%
Past-due	3 781 724	3 708 020	2 830 799	3 822 484	40 760	1,1%
Provision for impairment of loans to individuals	36 304 793	35 381 573	38 292 069	33 522 996	-2 781 797	-7,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	18 309 668	11 309 030	16 381 775	11 466 388	-6 843 280	-37,4%
Mandatory reserves with Central Bank	43 585	-	-	-	-43 585	-100,0%
Premises and equipment	2 372 524	353 561	3 549 264	271 019	-2 101 505	-88,6%
Purchase cost	2 366 357	305 586	3 537 894	240 403	-2 125 954	-89,8%
Depreciation	6 167	47 975	11 370	30 616	24 449	396,4%
Accrued interest not yet received	5 391 448	5 180 771	5 578 852	5 540 448	149 000	2,8%
Other assets	6 953 592	4 195 127	5 605 936	4 264 278	-2 689 314	-38,7%
Provision for impairment of other assets	3 548 519	1 579 571	1 647 723	1 390 643	-2 157 876	-60,8%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	353 896 342	349 195 143	474 613 817	364 201 439	10 305 097	2,9%
Dues to banks	67 920 513	67 703 016	169 958 468	128 847 609	60 927 096	89,7%
On demand	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	60 000 000	60 000 000	160 000 000	123 000 000	63 000 000	105,0%
Residents	60 000 000	60 000 000	160 000 000	123 000 000	63 000 000	105,0%
up to 30 days	60 000 000	60 000 000	160 000 000	121 000 000	61 000 000	101,7%
more than 180 days	-	-	-	2 000 000	2 000 000	-
Other dues to banks	7 920 513	7 703 016	9 958 468	5 847 609	-2 072 904	-26,2%
On demand	186 802 647	182 368 999	197 316 344	148 730 533	-38 072 114	-20,4%
Corporate clients	18 241 151	18 116 212	21 179 205	16 053 304	-2 187 847	-12,0%
State-owned enterprises	4 188 198	4 603 433	5 178 928	4 530 703	342 505	8,2%
Residents	14 047 615	13 507 554	15 994 752	11 518 102	-2 529 513	-18,0%
Non-residents	5 338	5 225	5 525	4 499	-839	-15,7%
Individuals	168 561 496	164 252 787	176 137 139	132 677 229	-35 884 267	-21,3%
Residents	168 363 509	164 063 872	175 947 624	132 540 784	-35 822 725	-21,3%
Non-residents	197 987	188 915	189 515	136 445	-61 542	-31,1%
Term	15 081 316	12 455 222	8 695 137	6 501 220	-8 580 096	-56,9%
Corporate clients	14 886	36 983	32 410	15 070	184	1,2%
Residents	5 451	28 515	21 758	500	-4 951	-90,8%
up to 180 days	1 551	28 515	20 758	500	-1 051	-67,8%
up to 1 year	3 900	-	1 000	-	-3 900	-100,0%
up to 3 years	-	-	-	-	-	-
State-owned enterprises	9 435	8 468	10 652	14 570	5 135	54,4%
up to 1 year	9 435	8 468	10 652	14 570	5 135	54,4%
Individuals	15 066 430	12 418 239	8 662 727	6 486 150	-8 580 280	-56,9%
residents	15 061 260	12 412 712	8 654 773	6 482 604	-8 578 656	-57,0%
up to 180 days	-	-	-	-	-	-
up to 1 year	3 856 083	2 649 963	1 709 451	1 801 341	-2 054 742	-53,3%
up to 3 years	11 205 177	9 762 749	6 945 322	4 681 263	-6 523 914	-58,2%
non-residents	5 170	5 527	7 954	3 546	-1 624	-31,4%
up to 1 year	1 542	646	109	1 520	-22	-1,4%
up to 3 years	3 628	4 881	7 845	2 026	-1 602	-44,2%
Other liabilities	84 091 866	86 667 906	98 643 868	80 122 077	-3 969 789	-4,7%
Other liabilities	82 712 244	85 482 455	96 555 504	79 036 891	-3 675 353	-4,4%
Accrued interest not yet paid	1 379 622	1 185 451	2 088 364	1 085 186	-294 436	-21,3%
EQUITY	20 305 178	17 745 573	18 129 843	449 974 679	429 669 501	2 116,1%
Capital	-	-	-	-	-	-
Profit from previous years	-	-	-	216 280 732	216 280 732	-
Retained earnings from previous years	-	-	-	216 280 732	216 280 732	-
Current year profit	20 305 178	17 745 573	18 129 843	233 693 947	213 388 769	1 050,9%
Current year retained earnings	20 305 178	17 745 573	18 129 843	233 693 947	213 388 769	1 050,9%
OFF-BALANCE SHEET	31 358 729	30 514 916	34 023 043	22 946 052	-8 412 677	-26,8%
Contingent liabilities	31 299 147	30 350 930	33 443 142	22 884 049	-8 415 098	-26,9%
Guarantees issued	92 999	92 851	133 094	635 172	542 173	583,0%
Unused credit limits opened	31 206 148	30 258 079	33 310 048	22 248 877	-8 957 271	-28,7%
Collateral on loans	7 389	9 333	21 528	8 393	1 004	13,6%
goods	7 389	9 333	21 528	8 393	1 004	13,6%
Unprocessed payments	52 193	154 653	54 414	53 610	1 417	2,7%
Due to lack of funds on client accounts	52 193	154 653	54 414	53 610	1 417	2,7%
Other off-balance sheet accounts	-	-	503 959	-	-	-
Written-off interest	-	-	55 462	-	-	-
Written-off loans	-	-	448 497	-	-	-
Credit card balances	7 515 584	7 038 010	8 214 498	6 721 969	-793 615	-10,6%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-