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

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	KOSTROMASELKOMBANK	add to comparison
Central Bank of Russia registration number: 1115

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 210 240	14 383 245	2 156 342	6,5	6,7	-53 898	-2,4%
High liquid assets	130 295	7 761 340	118 608	59,6	3,6	-11 687	-9,0%
Cash and equivalents	128 700	7 685 892	117 206	59,7	3,6	-11 494	-8,9%
Cash	81 004	264 784	82 297	3,3	0,1	1 293	1,6%
in cash and en route	56 066	229 158	63 436	4,1	0,1	7 370	13,1%
in ATMs	24 938	41 703	18 861	1,7	0,0	-6 077	-24,4%
Nostro account with Central Bank	47 696	7 422 401	34 909	155,6	3,4	-12 787	-26,8%
Nostro accounts	1 100	37 741	1 434	34,3	0,0	334	30,4%
Residents	1 100	37 741	1 434	34,3	0,0	334	30,4%
Money in transfer	729	38 041	202	52,2	0,0	-527	-72,3%
Provision for impairment of high-liquid assets	-234	-	-234	0,0	0,0	-	0,0%
Interest-earning assets	1 975 356	6 590 723	1 938 921	3,3	3,1	-36 435	-1,8%
Dues from banks	927 690	6 497 175	924 260	7,0	3,0	-3 430	-0,4%
Central Bank of Russia	212 000	2 277 000	10 000	10,7	1,1	-202 000	-95,3%
Residents	716 344	4 418 044	915 000	6,2	2,0	198 656	27,7%
up to 30 days	700 000	4 400 000	915 000	6,3	2,0	215 000	30,7%
up to 180 days	16 344	34 388	-	2,1	0,0	-16 344	-100,0%
Loans past-due	3 150	-	3 150	0,0	0,0	-	0,0%
residents	3 150	-	3 150	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-3 804	787	-3 890	0,2	0,0	-86	2,3%
Loans to corporate clients	184 773	11 732	178 238	0,1	0,0	-6 535	-3,5%
residents	244 997	10 679	237 418	0,0	0,0	-7 579	-3,1%
up to 30 days	-	-	-	-	-	-	-
up to 1 year	2 570	1 000	3 530	0,4	0,0	960	37,4%
up to 3 years	70 342	8 150	64 292	0,1	0,0	-6 050	-8,6%
more than 3 years	172 085	2 489	169 596	0,0	0,0	-2 489	-1,4%
Past-due	9 247	94	9 235	0,0	0,0	-12	-0,1%
residents	9 247	94	9 235	0,0	0,0	-12	-0,1%
Provision for impairment of corporate loans	-69 471	1 863	-68 415	0,0	0,0	1 056	-1,5%
residents	-69 471	1 863	-68 415	0,0	0,0	1 056	-1,5%
Loans to private entrepreneurs	182 651	44 592	158 841	0,2	0,0	-23 810	-13,0%
up to 1 year	25 452	20 894	4 558	0,8	0,0	-20 894	-82,1%
up to 3 years	36 933	20 000	56 563	0,5	0,0	19 630	53,2%
more than 3 years	121 029	22 696	98 333	0,2	0,0	-22 696	-18,8%
Past-due	1 125	-	1 125	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-1 888	765	-1 738	0,4	0,0	150	-7,9%
Loans to individuals	680 242	37 224	677 582	0,1	0,0	-2 660	-0,4%
Standard	690 998	29 652	686 583	0,0	0,0	-4 415	-0,6%
up to 30 days	1 197	1 732	1 888	1,4	0,0	691	57,7%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	3 055	1 218	2 527	0,4	0,0	-528	-17,3%
up to 3 years	93 291	11 250	84 431	0,1	0,0	-8 860	-9,5%
more than 3 years	593 455	20 425	597 737	0,0	0,0	4 282	0,7%
Past-due	72 264	2 095	73 675	0,0	0,0	1 411	2,0%
Past-due	72 264	2 095	73 675	0,0	0,0	1 411	2,0%
Provision for impairment of loans to individuals	-83 020	7 401	-82 676	0,1	0,0	344	-0,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	104 589	31 182	98 813	0,3	0,0	-5 776	-5,5%
Mandatory reserves with Central Bank	2 959	27	2 932	0,0	0,0	-27	-0,9%
Premises and equipment	48 796	601	48 510	0,0	0,0	-286	-0,6%
Purchase cost	119 295	315	119 295	0,0	0,0	-	0,0%
Depreciation	-70 499	286	-70 785	0,0	0,0	-286	0,4%
Accrued interest not yet received	5 787	19 929	2 617	3,4	0,0	-3 170	-54,8%
Other assets	61 017	9 909	58 475	0,2	0,0	-2 542	-4,2%
Provision for impairment of other assets	-13 970	965	-13 721	0,1	0,0	249	-1,8%
LIABILITIES	1 931 456	1 387 331	1 869 914	0,7	0,6	-61 542	-3,2%
On demand	434 877	1 209 332	410 207	2,8	0,6	-24 670	-5,7%
Corporate clients	403 633	1 117 973	387 994	2,8	0,5	-15 639	-3,9%
Residents	403 633	1 117 973	387 994	2,8	0,5	-15 639	-3,9%
Individuals	31 244	91 359	22 213	2,9	0,0	-9 031	-28,9%
Residents	31 166	91 303	22 154	2,9	0,0	-9 012	-28,9%
Non-residents	78	56	59	0,7	0,0	-19	-24,4%
Term	1 488 380	144 611	1 450 887	0,1	0,1	-37 493	-2,5%
Corporate clients	720 314	45 394	725 320	0,1	0,0	5 006	0,7%
Residents	720 314	45 394	725 320	0,1	0,0	5 006	0,7%
up to 180 days	35 554	34 388	22 560	1,0	0,0	-12 994	-36,5%
up to 1 year	100 000	24 000	124 000	0,2	0,0	24 000	24,0%
up to 3 years	263 900	6 000	257 900	0,0	0,0	-6 000	-2,3%
more than 3 years	320 860	-	320 860	0,0	0,0	-	0,0%
Individuals	768 066	104 223	725 567	0,1	0,0	-42 499	-5,5%
residents	768 066	104 223	725 567	0,1	0,0	-42 499	-5,5%
up to 180 days	25 117	2 850	24 225	0,1	0,0	-892	-3,6%
up to 1 year	730 756	98 857	691 325	0,1	0,0	-39 431	-5,4%
up to 3 years	12 193	2 516	10 017	0,2	0,0	-2 176	-17,8%
Other liabilities	8 199	34 009	8 820	4,1	0,0	621	7,6%
Other liabilities	7 825	25 523	8 407	3,3	0,0	582	7,4%
Accrued interest not yet paid	374	8 486	413	22,7	0,0	39	10,4%
EQUITY	278 784	1 784 528	286 428	6,4	0,8	7 644	2,7%
Capital	253 638	-	253 638	0,0	0,0	-	0,0%
Profit from previous years	2 554	886 967	25 146	347,3	0,4	22 592	884,6%
Retained earnings from previous years	2 554	886 967	25 146	347,3	0,4	22 592	884,6%
Current year profit	22 592	912 509	7 644	40,4	0,4	-14 948	-66,2%
Current year retained earnings	22 592	912 509	7 644	40,4	0,4	-14 948	-66,2%
OFF-BALANCE SHEET	3 735 620	96 269	3 732 490	0,0	0,0	-3 130	-0,1%
Contingent liabilities	-39 127	15 032	-44 287	0,4	0,0	-5 160	13,2%
Unused credit limits opened	-39 127	15 032	-44 287	0,4	0,0	-5 160	13,2%
Collateral on loans	2 686 064	70 886	2 696 506	0,0	0,0	10 442	0,4%
goods	2 686 064	70 886	2 696 506	0,0	0,0	10 442	0,4%
Unprocessed payments	1 146 332	10 351	1 137 920	0,0	0,0	-8 412	-0,7%
Due to lack of funds on client accounts	1 146 332	10 351	1 137 920	0,0	0,0	-8 412	-0,7%
Other off-balance sheet accounts	-57 649	-	-57 649	0,0	0,0	-	0,0%
Written-off interest	-19 539	-	-19 539	0,0	0,0	-	0,0%
Written-off loans	-38 110	-	-38 110	0,0	0,0	-	0,0%
Credit card balances	1 197	1 732	1 888	1,4	0,0	691	57,7%
Past due ratio, total	687	-	720	0,0	0,0	33	4,8%
Past due ratio, individuals	947	-	969	0,0	0,0	22	2,3%
Past due ratio, corporates	364	-	374	0,0	0,0	10	2,7%
Past due ratio, entrepreneurs	61	-	70	0,0	0,0	9	14,8%
Past due ratio, corporates + entrepreneurs	236	-	254	0,0	0,0	18	7,6%
Risk-weighted assets	1 771 304	-	1 768 505	0,0	0,0	-2 799	-0,2%