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

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	VAKOBANK	add to comparison
Central Bank of Russia registration number: 1291

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	1 357 647	10 241 797	1 404 568	7,5	7,3	46 921	3,5%
High liquid assets	29 377	5 448 407	47 333	185,5	3,9	17 956	61,1%
Cash and equivalents	20 282	5 429 594	39 141	267,7	3,9	18 859	93,0%
Cash	16 715	87 240	19 041	5,2	0,1	2 326	13,9%
in cash and en route	16 715	87 240	19 041	5,2	0,1	2 326	13,9%
Nostro account with Central Bank	3 567	5 342 354	20 100	1 497,7	3,8	16 533	463,5%
Nostro accounts	9 132	15 524	8 227	1,7	0,0	-905	-9,9%
Residents	9 132	15 524	8 227	1,7	0,0	-905	-9,9%
Money in transfer	-	4 191	-	-	-	-	-
Provision for impairment of high-liquid assets	-37	3	-35	0,1	0,0	2	-5,4%
Interest-earning assets	1 281 907	4 777 290	1 310 119	3,7	3,4	28 212	2,2%
Dues from banks	1 051 000	4 747 000	1 079 000	4,5	3,4	28 000	2,7%
Central Bank of Russia	1 051 000	4 747 000	1 079 000	4,5	3,4	28 000	2,7%
Securities	10 314	379	10 004	0,0	0,0	-310	-3,0%
Bonds	10 314	379	10 004	0,0	0,0	-310	-3,0%
Federal Loan Bonds (OFZs), OBRs	10 314	379	10 004	0,0	0,0	-310	-3,0%
Loans to corporate clients	176 862	23 354	177 875	0,1	0,0	1 013	0,6%
residents	200 894	20 493	201 691	0,1	0,0	797	0,4%
up to 30 days	819	1 643	859	2,0	0,0	40	4,9%
up to 1 year	52 280	15 070	41 060	0,3	0,0	-11 220	-21,5%
up to 3 years	37 494	15 000	51 359	0,4	0,0	13 865	37,0%
more than 3 years	110 301	1 888	108 413	0,0	0,0	-1 888	-1,7%
Past-due	12 664	2	12 666	0,0	0,0	2	0,0%
residents	12 664	2	12 666	0,0	0,0	2	0,0%
Provision for impairment of corporate loans	-36 696	2 859	-36 482	0,1	0,0	214	-0,6%
residents	-36 696	2 859	-36 482	0,1	0,0	214	-0,6%
Loans to private entrepreneurs	12 549	926	12 300	0,1	0,0	-249	-2,0%
up to 1 year	821	-	821	0,0	0,0	-	0,0%
up to 3 years	1 170	61	1 109	0,1	0,0	-61	-5,2%
more than 3 years	40 936	573	40 363	0,0	0,0	-573	-1,4%
Past-due	272	292	292	1,1	0,0	20	7,4%
Provision for impairment of loans to private entrepreneurs	-30 650	403	-30 285	0,0	0,0	365	-1,2%
Loans to individuals	31 182	6 389	30 940	0,2	0,0	-242	-0,8%
Standard	46 957	3 010	47 366	0,1	0,0	409	0,9%
up to 3 years	3 573	1 305	3 278	0,4	0,0	-295	-8,3%
more than 3 years	43 384	2 000	44 088	0,0	0,0	704	1,6%
Past-due	4 890	107	4 936	0,0	0,0	46	0,9%
Past-due	4 890	107	4 936	0,0	0,0	46	0,9%
Provision for impairment of loans to individuals	-20 665	3 727	-21 362	0,2	0,0	-697	3,4%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	46 363	16 100	47 116	0,3	0,0	753	1,6%
Mandatory reserves with Central Bank	1 266	141	1 407	0,1	0,0	141	11,1%
Premises and equipment	44 234	53	44 181	0,0	0,0	-53	-0,1%
Purchase cost	65 397	-	65 397	0,0	0,0	-	0,0%
Depreciation	-21 163	53	-21 216	0,0	0,0	-53	0,3%
Accrued interest not yet received	449	7 724	1 102	17,2	0,0	653	145,4%
Other assets	61 788	6 550	61 547	0,1	0,0	-241	-0,4%
Provision for impairment of other assets	-65 292	1 926	-65 039	0,0	0,0	253	-0,4%
Deferred tax asset	3 918	-	3 918	0,0	0,0	-	0,0%
LIABILITIES	811 391	817 392	851 753	1,0	0,6	40 362	5,0%
On demand	479 203	731 389	477 385	1,5	0,5	-1 818	-0,4%
Corporate clients	397 209	723 686	403 098	1,8	0,5	5 889	1,5%
State-owned enterprises	1 599	1	1 598	0,0	0,0	-1	-0,1%
Residents	395 610	720 090	401 500	1,8	0,5	5 890	1,5%
Non-residents	-	3 596	-	-	-	-	-
Individuals	81 994	13 592	74 287	0,2	0,0	-7 707	-9,4%
Residents	81 974	13 592	74 267	0,2	0,0	-7 707	-9,4%
Non-residents	20	-	20	0,0	0,0	-	0,0%
Term	324 093	69 865	364 892	0,2	0,0	40 799	12,6%
Corporate clients	-	50 000	50 000	-	-	50 000	-
Residents	-	50 000	50 000	-	-	50 000	-
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	50 000	50 000	-	-	50 000	-
Individuals	324 093	29 066	314 892	0,1	0,0	-9 201	-2,8%
residents	324 053	29 066	314 852	0,1	0,0	-9 201	-2,8%
up to 180 days	5 163	12 863	17 466	2,5	0,0	12 303	238,3%
up to 1 year	245 220	21 346	227 224	0,1	0,0	-17 996	-7,3%
up to 3 years	52 318	1 403	51 937	0,0	0,0	-381	-0,7%
more than 3 years	21 352	5 757	18 225	0,3	0,0	-3 127	-14,6%
non-residents	40	-	40	0,0	0,0	-	0,0%
up to 1 year	1	-	1	0,0	0,0	-	0,0%
up to 3 years	39	-	39	0,0	0,0	-	0,0%
Other liabilities	8 095	17 956	9 476	2,2	0,0	1 381	17,1%
Other liabilities	6 494	16 768	7 935	2,6	0,0	1 441	22,2%
Accrued interest not yet paid	1 601	1 248	1 541	0,8	0,0	-60	-3,7%
EQUITY	546 256	459 315	552 815	0,8	0,3	6 559	1,2%
Capital	165 733	-	165 733	0,0	0,0	-	0,0%
Profit from previous years	347 634	235 615	380 241	0,7	0,2	32 607	9,4%
Retained earnings from previous years	347 634	235 615	380 241	0,7	0,2	32 607	9,4%
Current year profit	32 889	249 748	6 841	7,6	0,2	-26 048	-79,2%
Current year retained earnings	32 889	249 748	6 841	7,6	0,2	-26 048	-79,2%
OFF-BALANCE SHEET	575 119	65 253	542 238	0,1	0,0	-32 881	-5,7%
Contingent liabilities	-7 460	20 493	-3 570	2,7	0,0	3 890	-52,1%
Unused credit limits opened	-7 460	20 493	-3 570	2,7	0,0	3 890	-52,1%
Collateral on loans	580 537	44 000	544 537	0,1	0,0	-36 000	-6,2%
goods	580 537	44 000	544 537	0,1	0,0	-36 000	-6,2%
Unprocessed payments	19 286	1 532	18 514	0,1	0,0	-772	-4,0%
Due to lack of funds on client accounts	19 286	1 532	18 514	0,1	0,0	-772	-4,0%
Other off-balance sheet accounts	-17 244	1	-17 243	0,0	0,0	1	-0,0%
Written-off interest	-1 775	1	-1 774	0,0	0,0	1	-0,1%
Written-off loans	-15 469	-	-15 469	0,0	0,0	-	0,0%
Past due ratio, total	578	-	579	0,0	0,0	1	0,2%
Past due ratio, individuals	943	-	944	0,0	0,0	1	0,1%
Past due ratio, corporates	593	-	591	0,0	0,0	-2	-0,3%
Past due ratio, entrepreneurs	63	-	69	0,0	0,0	6	9,5%
Past due ratio, corporates + entrepreneurs	504	-	504	0,0	0,0	-	0,0%
Risk-weighted assets	460 397	-	456 349	0,0	0,0	-4 048	-0,9%