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

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	SEVERINVESTBANK	add to comparison
Central Bank of Russia registration number: 2264

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	4 130 833	5 106 469	4 063 700	5 274 498	1 143 665	27,7%
High liquid assets	3 011 255	3 457 667	3 027 430	3 792 904	781 649	26,0%
Cash and equivalents	2 900 493	3 339 082	2 909 263	3 373 184	472 691	16,3%
Cash	544 347	406 371	427 398	388 063	-156 284	-28,7%
in cash and en route	544 347	406 371	427 398	388 063	-156 284	-28,7%
Nostro account with Central Bank	2 356 146	2 932 711	2 481 865	2 985 121	628 975	26,7%
Nostro accounts	83 041	78 863	85 797	394 979	311 938	375,6%
Residents	83 041	78 863	85 797	394 979	311 938	375,6%
Money in transfer	27 721	39 720	32 369	24 731	-2 990	-10,8%
Provision for impairment of high-liquid assets	-	2	1	10	10	-
Interest-earning assets	1 022 530	1 629 524	951 055	1 411 072	388 542	38,0%
Dues from banks	900 000	1 592 000	890 000	1 355 000	455 000	50,6%
Residents	900 000	1 592 000	890 000	1 355 000	455 000	50,6%
up to 30 days	900 000	1 592 000	890 000	1 355 000	455 000	50,6%
Securities	-	-	-	-	-	-
Stocks	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	59 167	26 623	31 281	33 090	-26 077	-44,1%
residents	41 774	22 863	22 329	24 575	-17 199	-41,2%
up to 30 days	21 774	16 384	13 489	14 625	-7 149	-32,8%
up to 180 days	10 000	179	-	5 800	-4 200	-42,0%
up to 1 year	10 000	6 300	8 640	4 150	-5 850	-58,5%
up to 3 years	-	-	200	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	4 373	74	-	-	-4 373	-100,0%
residents	4 373	74	-	-	-4 373	-100,0%
Provision for impairment of corporate loans	13 020	3 686	8 952	8 515	-4 505	-34,6%
residents	13 020	3 686	8 952	8 515	-4 505	-34,6%
Loans to private entrepreneurs	19 413	4 220	8 822	10 132	-9 281	-47,8%
up to 30 days	1 497	620	415	4 862	3 365	224,8%
up to 180 days	-	350	-	-	-	-
up to 1 year	900	2 000	-	-	-900	-100,0%
up to 3 years	-	-	-	4 500	4 500	-
more than 3 years	-	-	-	-	-	-
Past-due	6 955	1 072	-	-	-6 955	-100,0%
Provision for impairment of loans to private entrepreneurs	10 061	178	8 407	770	-9 291	-92,3%
Loans to individuals	43 950	6 681	20 952	12 850	-31 100	-70,8%
Standard	1 558	5 250	1 850	5 415	3 857	247,6%
up to 1 year	1 408	4 875	1 150	-	-1 408	-100,0%
up to 3 years	150	375	700	2 000	1 850	1 233,3%
more than 3 years	-	-	-	3 415	3 415	-
Past-due	26 636	971	1 318	160	-26 476	-99,4%
Past-due	26 636	971	1 318	160	-26 476	-99,4%
Provision for impairment of loans to individuals	15 756	460	17 784	7 275	-8 481	-53,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	97 048	19 278	85 215	70 522	-26 526	-27,3%
Mandatory reserves with Central Bank	218	371	291	-	-218	-100,0%
Premises and equipment	26 874	125	33 431	37 212	10 338	38,5%
Purchase cost	25 138	125	33 359	35 807	10 669	42,4%
Depreciation	1 736	-	72	1 405	-331	-19,1%
Accrued interest not yet received	7 628	5 428	6 597	7 585	-43	-0,6%
Non-current assets	25 727	-	-	-	-25 727	-100,0%
Other assets	25 741	2 223	38 704	19 589	-6 152	-23,9%
Provision for impairment of other assets	10 860	11 131	6 192	6 136	-4 724	-43,5%
LIABILITIES	2 639 267	2 629 745	2 939 404	3 465 662	826 395	31,3%
On demand	2 384 144	2 251 295	2 648 745	3 000 292	616 148	25,8%
Corporate clients	2 345 647	2 211 714	2 595 457	2 953 244	607 597	25,9%
State-owned enterprises	616	400	595	412	-204	-33,1%
Residents	2 337 943	2 199 784	2 583 775	2 941 801	603 858	25,8%
Non-residents	7 088	11 530	11 087	11 031	3 943	55,6%
Individuals	38 497	39 581	53 288	47 048	8 551	22,2%
Residents	38 497	39 565	53 287	46 739	8 242	21,4%
Non-residents	-	16	1	309	309	-
Term	184 247	300 282	223 683	225 610	41 363	22,4%
Corporate clients	159 500	280 263	157 079	218 523	59 023	37,0%
Residents	159 500	280 263	157 079	218 523	59 023	37,0%
up to 180 days	136 200	177 143	157 079	218 523	82 323	60,4%
up to 1 year	23 300	103 120	-	-	-23 300	-100,0%
up to 3 years	-	-	-	-	-	-
Individuals	24 747	20 019	66 604	7 087	-17 660	-71,4%
residents	24 747	20 012	66 593	6 876	-17 871	-72,2%
up to 180 days	73	109	3 804	306	233	319,2%
up to 1 year	2 206	2 428	9 549	189	-2 017	-91,4%
up to 3 years	21 989	17 475	52 734	6 381	-15 608	-71,0%
more than 3 years	479	-	506	-	-479	-100,0%
non-residents	-	7	11	211	211	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	7	11	211	211	-
Other liabilities	70 876	78 168	66 976	239 760	168 884	238,3%
Other liabilities	68 608	71 800	65 025	238 230	169 622	247,2%
Accrued interest not yet paid	2 268	2 526	1 951	1 530	-738	-32,5%
Deferred tax liabilities	-	3 842	-	-	-	-
EQUITY	44 866	35 876	88 023	34 440	-10 426	-23,2%
Capital	-	13 610	-	-	-	-
Profit from previous years	4 735	-	-	-	-4 735	-100,0%
Retained earnings from previous years	4 735	-	-	-	-4 735	-100,0%
Current year profit	39 768	22 210	87 947	33 928	-5 840	-14,7%
Current year retained earnings	39 768	22 210	87 947	33 928	-5 840	-14,7%
Future expenses	363	56	76	512	149	41,0%
OFF-BALANCE SHEET	100 253	152 461	144 842	95 172	-5 081	-5,1%
Contingent liabilities	49 271	79 307	52 780	53 386	4 115	8,4%
Unused credit limits opened	49 271	79 307	52 780	53 386	4 115	8,4%
Collateral on loans	44 120	63 859	84 103	27 812	-16 308	-37,0%
goods	28 759	63 859	84 103	27 812	-947	-3,3%
securities	15 361	-	-	-	-15 361	-100,0%
Unprocessed payments	5 286	8 124	6 273	12 267	6 981	132,1%
Due to lack of funds on client accounts	5 286	8 124	6 273	12 267	6 981	132,1%
Other off-balance sheet accounts	1 576	1 171	1 686	1 707	131	8,3%
Accrued interest not yet received	1 576	1 171	1 686	1 707	131	8,3%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-