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

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	ROSKOMSNABBANK	add to comparison
Central Bank of Russia registration number: 1398 CB RF representative, complies with 214-FZ (equity construction)

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	64 758 189	57 334 485	55 922 205	59 904 630	-4 853 559	-7,5%
High liquid assets	39 897 536	38 547 729	32 985 562	38 944 203	-953 333	-2,4%
Cash and equivalents	16 631 859	18 327 859	14 687 349	16 626 722	-5 137	-0,0%
Cash	10 072 429	11 075 161	6 926 207	6 438 258	-3 634 171	-36,1%
in cash and en route	9 646 974	10 613 075	6 619 158	6 045 750	-3 601 224	-37,3%
in ATMs	425 455	462 086	307 049	392 508	-32 947	-7,7%
Nostro account with Central Bank	6 559 430	7 252 698	7 761 142	10 188 464	3 629 034	55,3%
Nostro accounts	199 652	285 356	172 713	226 397	26 745	13,4%
Residents	199 652	285 356	172 713	226 397	26 745	13,4%
Money in transfer	2 547 092	3 341 401	4 707 877	5 803 580	3 256 488	127,9%
Exchange accounts	20 518 933	16 593 113	13 417 623	16 287 504	-4 231 429	-20,6%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	3 003 077	1 062 483	6 369 016	3 651 523	648 446	21,6%
Dues from banks	1 800 000	212 000	1 700 000	1 250 000	-550 000	-30,6%
Central Bank of Russia	1 800 000	200 000	1 700 000	1 250 000	-550 000	-30,6%
Residents	-	12 000	-	-	-	-
up to 30 days	-	12 000	-	-	-	-
Securities	1 758	-	6 315	17	-1 741	-99,0%
Stocks	1 758	-	6 315	17	-1 741	-99,0%
Residents	-	-	4 013	-	-	-
Valuation allowance	-	-	2 302	17	17	-
Provision for impairment of stocks	1 758	-	-	-	-1 758	-100,0%
Loans to corporate clients	1 074 553	616 898	4 058 433	2 319 682	1 245 129	115,9%
residents	759 695	603 078	1 694 858	2 027 367	1 267 672	166,9%
up to 30 days	747	83 227	194 115	216 800	216 053	28 922,8%
up to 180 days	14 570	21 493	55 405	176 223	161 653	1 109,5%
up to 1 year	53 786	12 657	242 747	185 096	131 310	244,1%
up to 3 years	6 945	65 460	137 379	389 278	382 333	5 505,2%
more than 3 years	683 647	420 241	1 065 212	1 059 970	376 323	55,0%
Past-due	-	-	7 833	17 331	17 331	-
residents	-	-	7 710	17 182	17 182	-
state-owned enterprises	-	-	123	149	149	-
Provision for impairment of corporate loans	314 858	13 820	2 355 742	274 984	-39 874	-12,7%
residents	314 858	13 820	2 355 580	274 971	-39 887	-12,7%
state-owned enterprises	-	-	162	13	13	-
Loans to private entrepreneurs	1	1	5 136	426	425	42 500,0%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	-	-	718	202	202	-
Provision for impairment of loans to private entrepreneurs	1	1	4 418	224	223	22 300,0%
Loans to individuals	126 765	233 584	599 132	81 398	-45 367	-35,8%
Standard	90 416	220 217	109 289	50 564	-39 852	-44,1%
up to 30 days	3 917	4 677	98 602	3 663	-254	-6,5%
up to 180 days	-	200	-	-	-	-
up to 1 year	-	7 500	-	700	700	-
up to 3 years	3 643	261	222	577	-3 066	-84,2%
more than 3 years	82 856	207 579	10 465	45 624	-37 232	-44,9%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	2 012	1 018	34 525	573	-1 439	-71,5%
Past-due	2 012	1 018	34 525	573	-1 439	-71,5%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	34 337	12 349	455 318	30 261	-4 076	-11,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	21 857 576	17 724 273	16 567 627	17 308 904	-4 548 672	-20,8%
Mandatory reserves with Central Bank	1 988	6 914	3 649	15 179	13 191	663,5%
Premises and equipment	331 248	590 056	902 223	242 399	-88 849	-26,8%
Purchase cost	329 069	584 699	901 916	242 399	-86 670	-26,3%
Depreciation	2 179	5 357	307	-	-2 179	-100,0%
Accrued interest not yet received	198 356	206 532	279 641	266 481	68 125	34,3%
Other assets	21 059 763	16 862 235	14 583 649	16 704 259	-4 355 504	-20,7%
Provision for impairment of other assets	66 116	58 536	798 465	80 586	14 470	21,9%
Deferred tax asset	200 105	-	-	-	-200 105	-100,0%
LIABILITIES	54 380 575	47 343 775	36 689 771	48 099 075	-6 281 500	-11,6%
Dues to banks	41 147	92 860	16 991	35 173	-5 974	-14,5%
On demand	-	1	-	-	-	-
Residents	-	1	-	-	-	-
Other dues to banks	41 147	92 859	16 991	35 173	-5 974	-14,5%
On demand	7 487 534	9 098 406	5 837 533	10 460 018	2 972 484	39,7%
Corporate clients	6 338 993	7 483 973	4 999 117	8 262 382	1 923 389	30,3%
State-owned enterprises	3 877	6 963	1 127	1 374	-2 503	-64,6%
Residents	6 315 107	7 460 386	4 977 094	8 244 056	1 928 949	30,5%
Non-residents	20 009	16 624	20 896	16 952	-3 057	-15,3%
Individuals	1 148 540	1 614 433	838 415	2 197 636	1 049 096	91,3%
Residents	1 148 280	1 614 119	838 190	2 197 415	1 049 135	91,4%
Non-residents	260	314	225	221	-39	-15,0%
Brokerage accounts	1	-	1	-	-1	-100,0%
Residents	1	-	1	-	-1	-100,0%
Term	4 793 018	3 807 990	2 883 522	3 933 903	-859 115	-17,9%
Corporate clients	613 375	815 726	567 363	1 101 522	488 147	79,6%
Residents	613 375	815 726	497 192	1 101 522	488 147	79,6%
up to 30 days	-	-	-	20 000	20 000	-
up to 180 days	18 250	74 418	27 888	114 790	96 540	529,0%
up to 1 year	222 749	348 239	201 824	754 932	532 183	238,9%
up to 3 years	227 299	384 769	260 380	174 000	-53 299	-23,4%
more than 3 years	145 077	8 300	7 100	37 800	-107 277	-73,9%
State-owned enterprises	-	-	70 171	-	-	-
up to 180 days	-	-	70 000	-	-	-
more than 3 years	-	-	171	-	-	-
Individuals	4 179 643	2 992 264	2 316 159	2 832 381	-1 347 262	-32,2%
residents	4 175 257	2 991 742	2 314 942	2 832 037	-1 343 220	-32,2%
up to 180 days	310	1 950	2 311	1 060	750	241,9%
up to 3 years	3 686 965	2 061 953	1 022 962	831 684	-2 855 281	-77,4%
more than 3 years	487 982	927 839	1 289 669	1 999 293	1 511 311	309,7%
non-residents	4 386	522	1 217	344	-4 042	-92,2%
up to 3 years	4 381	518	-	-	-4 381	-100,0%
more than 3 years	5	4	1 217	344	339	6 780,0%
Securities issued	3 900	61 272	44 979	-	-3 900	-100,0%
Promissory notes	3 900	61 272	44 979	-	-3 900	-100,0%
up to 30 days	3 900	47 285	-	-	-3 900	-100,0%
up to 1 year	-	13 987	43 879	-	-	-
up to 3 years	-	-	1 100	-	-	-
Discount accrued	-	-	-	-	-	-
Other liabilities	42 054 976	34 283 247	27 906 746	33 669 981	-8 384 995	-19,9%
Other liabilities	42 042 259	34 263 726	27 894 282	33 648 996	-8 393 263	-20,0%
Accrued interest not yet paid	12 717	19 521	12 464	20 985	8 268	65,0%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	624 289	394 548	16 561 569	880 403	256 114	41,0%
Capital	-	22	312	142 075	142 075	-
Profit from previous years	-	-	5 398 579	6 504	6 504	-
Retained earnings from previous years	-	-	5 398 579	6 504	6 504	-
Current year profit	624 042	386 813	11 162 678	731 824	107 782	17,3%
Current year retained earnings	624 042	386 813	11 162 678	731 824	107 782	17,3%
Future expenses	247	7 713	-	-	-247	-100,0%
OFF-BALANCE SHEET	509 214	642 950	1 240 276	913 321	404 107	79,4%
Contingent liabilities	381 134	447 810	1 079 015	648 905	267 771	70,3%
Guarantees issued	17 000	158 541	27 270	78 532	61 532	362,0%
Unused credit limits opened	364 134	289 269	1 051 745	570 373	206 239	56,6%
Collateral on loans	17 079	79 641	139 254	236 295	219 216	1 283,5%
goods	5 910	79 641	131 635	151 555	145 645	2 464,4%
securities	11 169	-	7 619	84 740	73 571	658,7%
Unprocessed payments	102 169	105 758	15 494	28 078	-74 091	-72,5%
Due to lack of funds on client accounts	102 169	105 758	15 494	28 078	-74 091	-72,5%
Other off-balance sheet accounts	8 832	9 741	6 513	43	-8 789	-99,5%
Accrued interest not yet received	8 832	9 504	6 513	-	-8 832	-100,0%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	237	-	43	43	-
Credit card balances	3 917	4 677	-	102 265	98 348	2 510,8%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-