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

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	STROYKOMBANK	add to comparison
Central Bank of Russia registration number: 3050

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.	01.04.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 242 109	28 040 333	933 711	22,6	30,0	-308 398	-24,8%
High liquid assets	814 618	15 447 791	546 491	19,0	16,5	-268 127	-32,9%
Cash and equivalents	245 473	7 897 550	204 713	32,2	8,5	-40 760	-16,6%
Cash	106 638	563 947	84 488	5,3	0,6	-22 150	-20,8%
in cash and en route	102 538	540 561	74 711	5,3	0,6	-27 827	-27,1%
in ATMs	4 100	29 063	9 777	7,1	0,0	5 677	138,5%
Nostro account with Central Bank	138 835	7 333 603	120 225	52,8	7,9	-18 610	-13,4%
Nostro accounts	480 888	1 759 957	259 481	3,7	1,9	-221 407	-46,0%
Residents	480 888	1 759 957	259 481	3,7	1,9	-221 407	-46,0%
Money in transfer	2 598	3 084 154	3 841	1 187,1	3,3	1 243	47,8%
Exchange accounts	85 774	2 706 775	78 570	31,6	2,9	-7 204	-8,4%
Provision for impairment of high-liquid assets	-115	599	-114	5,2	0,0	1	-0,9%
Interest-earning assets	314 373	2 848 354	266 810	9,1	3,1	-47 563	-15,1%
Dues from banks	125 971	2 824 809	5 827	22,4	3,0	-120 144	-95,4%
Central Bank of Russia	-	975 000	-	-	-	-	-
Residents	120 719	1 831 140	652	15,2	2,0	-120 067	-99,5%
up to 30 days	120 000	1 830 000	-	15,3	2,0	-120 000	-100,0%
more than 180 days	719	1 140	652	1,6	0,0	-67	-9,3%
Non-residents	5 852	1 519	5 175	0,3	0,0	-677	-11,6%
up to 30 days	5 852	1 519	5 175	0,3	0,0	-677	-11,6%
Provision for impairment of loans to banks	-600	17 750	-	29,6	0,0	600	-100,0%
Securities	1 393	76 348	76 518	54,8	0,1	75 125	5 393,0%
Bonds	409	76 348	75 562	186,7	0,1	75 153	18 374,8%
Federal Loan Bonds (OFZs), OBRs	409	75 212	74 685	183,9	0,1	74 276	18 160,4%
Valuation allowance	-	1 136	877	-	-	877	-
Stocks	984	28	956	0,0	0,0	-28	-2,8%
Residents	10 655	-	10 655	0,0	0,0	-	0,0%
Valuation allowance	-9 671	28	-9 699	0,0	0,0	-28	0,3%
Loans to corporate clients	129 785	13 248	125 010	0,1	0,0	-4 775	-3,7%
residents	153 510	12 711	147 625	0,1	0,0	-5 885	-3,8%
up to 180 days	50 000	-	50 000	0,0	0,0	-	0,0%
up to 1 year	39 040	5 000	39 040	0,1	0,0	-	0,0%
up to 3 years	19 851	7 001	12 850	0,4	0,0	-7 001	-35,3%
more than 3 years	44 619	1 826	45 735	0,0	0,0	1 116	2,5%
Provision for impairment of corporate loans	-23 725	1 647	-22 615	0,1	0,0	1 110	-4,7%
residents	-23 725	1 647	-22 615	0,1	0,0	1 110	-4,7%
Loans to individuals	57 224	11 305	59 455	0,2	0,0	2 231	3,9%
Standard	74 278	6 862	73 932	0,1	0,0	-346	-0,5%
up to 30 days	429	696	461	1,6	0,0	32	7,5%
up to 1 year	681	653	28	1,0	0,0	-653	-95,9%
up to 3 years	17 744	1 535	17 529	0,1	0,0	-215	-1,2%
more than 3 years	55 424	4 500	55 914	0,1	0,0	490	0,9%
Past-due	4 541	767	5 163	0,2	0,0	622	13,7%
Past-due	4 541	767	5 163	0,2	0,0	622	13,7%
Provision for impairment of loans to individuals	-21 595	4 022	-19 640	0,2	0,0	1 955	-9,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	113 118	9 751 480	120 410	86,2	10,4	7 292	6,4%
Mandatory reserves with Central Bank	9 381	1 415	7 966	0,2	0,0	-1 415	-15,1%
Premises and equipment	88 088	3 827	89 599	0,0	0,0	1 511	1,7%
Purchase cost	93 727	3 827	95 430	0,0	0,0	1 703	1,8%
Depreciation	-5 639	192	-5 831	0,0	0,0	-192	3,4%
Accrued interest not yet received	405	5 445	356	13,4	0,0	-49	-12,1%
Other assets	16 081	9 742 069	23 301	605,8	10,4	7 220	44,9%
Provision for impairment of other assets	-837	188	-812	0,2	0,0	25	-3,0%
LIABILITIES	919 534	14 891 208	607 075	16,2	15,9	-312 459	-34,0%
On demand	323 105	5 305 057	52 999	16,4	5,7	-270 106	-83,6%
Corporate clients	249 267	4 802 791	42 051	19,3	5,1	-207 216	-83,1%
State-owned enterprises	22	2	20	0,1	0,0	-2	-9,1%
Residents	249 245	4 801 889	42 031	19,3	5,1	-207 214	-83,1%
Non-residents	-	900	-	-	-	-	-
Individuals	73 838	502 266	10 948	6,8	0,5	-62 890	-85,2%
Residents	73 618	501 902	10 947	6,8	0,5	-62 671	-85,1%
Non-residents	220	364	1	1,7	0,0	-219	-99,5%
Term	579 945	64 520	543 031	0,1	0,1	-36 914	-6,4%
Corporate clients	120 000	-	120 000	0,0	0,0	-	0,0%
Residents	120 000	-	120 000	0,0	0,0	-	0,0%
up to 30 days	-	-	-	-	-	-	-
more than 3 years	120 000	-	120 000	0,0	0,0	-	0,0%
Individuals	459 945	64 520	423 031	0,1	0,1	-36 914	-8,0%
residents	459 164	64 211	422 551	0,1	0,1	-36 613	-8,0%
up to 180 days	40 196	17 322	26 526	0,4	0,0	-13 670	-34,0%
up to 1 year	51 083	5 355	47 543	0,1	0,0	-3 540	-6,9%
up to 3 years	367 885	41 534	348 482	0,1	0,0	-19 403	-5,3%
non-residents	781	309	480	0,4	0,0	-301	-38,5%
up to 3 years	781	309	480	0,4	0,0	-301	-38,5%
Other liabilities	16 484	9 521 631	11 045	577,6	10,2	-5 439	-33,0%
Other liabilities	9 077	9 517 371	3 335	1 048,5	10,2	-5 742	-63,3%
Accrued interest not yet paid	6 979	4 563	7 282	0,7	0,0	303	4,3%
Deferred tax liabilities	428	-	428	0,0	0,0	-	0,0%
EQUITY	322 575	245 949	326 636	0,8	0,3	4 061	1,3%
Capital	236 906	28	236 878	0,0	0,0	-28	-0,0%
Profit from previous years	89 223	-	89 223	0,0	0,0	-	0,0%
Retained earnings from previous years	89 223	-	89 223	0,0	0,0	-	0,0%
Current year profit	2 095	245 838	6 115	117,3	0,3	4 020	191,9%
Current year retained earnings	2 095	245 838	6 115	117,3	0,3	4 020	191,9%
Future expenses	-5 649	111	-5 580	0,0	0,0	69	-1,2%
OFF-BALANCE SHEET	509 177	71 616	521 247	0,1	0,1	12 070	2,4%
Contingent liabilities	-1 955	9 522	-172	4,9	0,0	1 783	-91,2%
Unused credit limits opened	-1 955	9 522	-172	4,9	0,0	1 783	-91,2%
Collateral on loans	396 299	32 940	382 511	0,1	0,0	-13 788	-3,5%
goods	380 059	32 940	366 271	0,1	0,0	-13 788	-3,6%
securities	16 240	-	16 240	0,0	0,0	-	0,0%
Unprocessed payments	114 810	27 955	138 588	0,2	0,0	23 778	20,7%
Due to lack of funds on client accounts	114 810	27 955	138 588	0,2	0,0	23 778	20,7%
Other off-balance sheet accounts	23	1 199	320	52,1	0,0	297	1 291,3%
Accrued interest not yet received	1 237	1 199	1 534	1,0	0,0	297	24,0%
Written-off interest	-116	-	-116	0,0	0,0	-	0,0%
Written-off loans	-1 098	-	-1 098	0,0	0,0	-	0,0%
Credit card balances	429	696	461	1,6	0,0	32	7,5%
Past due ratio, total	195	-	228	0,0	0,0	33	16,9%
Past due ratio, individuals	576	-	653	0,0	0,0	77	13,4%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	990 967	-	-	0,0	0,0	-990 967	-100,0%