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

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	SOVEREN BANK	add to comparison
Central Bank of Russia registration number: 3206

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	22 518 177	11 481 155	9 215 838	7 492 386	-15 025 791	-66,7%
High liquid assets	13 999 707	7 509 655	6 375 475	4 929 000	-9 070 707	-64,8%
Cash and equivalents	10 340 626	5 551 243	4 805 513	4 054 336	-6 286 290	-60,8%
Cash	272 368	72 795	147 561	291 368	19 000	7,0%
in cash and en route	272 368	72 795	147 561	291 368	19 000	7,0%
Nostro account with Central Bank	10 068 258	5 478 448	4 657 952	3 762 968	-6 305 290	-62,6%
Nostro accounts	3 616 351	1 901 241	1 516 658	828 547	-2 787 804	-77,1%
Residents	3 616 351	1 901 241	1 516 658	828 547	-2 787 804	-77,1%
Money in transfer	21 092	30 759	27 698	35 787	14 695	69,7%
Provision for impairment of high-liquid assets	21 638	26 412	25 606	10 330	-11 308	-52,3%
Interest-earning assets	6 543 006	3 156 517	2 789 854	2 435 293	-4 107 713	-62,8%
Dues from banks	5 000 530	2 950 526	2 540 000	2 064 500	-2 936 030	-58,7%
Central Bank of Russia	5 000 000	2 950 000	2 540 000	1 960 000	-3 040 000	-60,8%
Residents	530	526	-	101 000	100 470	18 956,6%
up to 30 days	530	526	-	101 000	100 470	18 956,6%
Provision for impairment of loans to banks	-	-	-	3 500	3 500	-
Securities	1 004 157	-	-	-	-1 004 157	-100,0%
Bonds	1 004 157	-	-	-	-1 004 157	-100,0%
Federal Loan Bonds (OFZs), OBRs	599 116	-	-	-	-599 116	-100,0%
Valuation allowance	251	-	-	-	-251	-100,0%
Pledged under REPO	404 790	-	-	-	-404 790	-100,0%
Loans to corporate clients	375 695	194 843	213 292	301 429	-74 266	-19,8%
residents	318 053	153 150	180 590	244 169	-73 884	-23,2%
up to 30 days	175 618	150 000	79 045	140 000	-35 618	-20,3%
up to 180 days	32 435	3 150	23 045	31 669	-766	-2,4%
up to 1 year	27 000	-	13 000	40 000	13 000	48,1%
up to 3 years	83 000	-	65 500	-	-83 000	-100,0%
more than 3 years	-	-	-	32 500	32 500	-
Past-due	78	79	53	478	400	512,8%
residents	78	79	53	478	400	512,8%
Provision for impairment of corporate loans	57 564	41 614	32 649	56 782	-782	-1,4%
residents	57 564	41 614	32 649	56 782	-782	-1,4%
Loans to private entrepreneurs	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Loans to individuals	162 624	11 148	36 562	69 364	-93 260	-57,3%
Standard	157 862	8 865	32 292	63 165	-94 697	-60,0%
up to 30 days	9 832	8 465	8 792	13 215	3 383	34,4%
up to 180 days	-	-	-	-	-	-
up to 1 year	130	400	-	50	-80	-61,5%
up to 3 years	78 500	-	10 000	28 050	-50 450	-64,3%
more than 3 years	69 400	-	13 500	21 850	-47 550	-68,5%
Past-due	886	1 250	1 662	1 324	438	49,4%
Past-due	886	1 250	1 662	1 324	438	49,4%
Provision for impairment of loans to individuals	3 876	1 033	2 608	4 875	999	25,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	1 975 464	814 983	50 509	128 093	-1 847 371	-93,5%
Mandatory reserves with Central Bank	5 816	5 990	463	-	-5 816	-100,0%
Premises and equipment	775 645	719 704	224	53 009	-722 636	-93,2%
Purchase cost	775 645	717 282	224	53 009	-722 636	-93,2%
Depreciation	-	2 422	-	-	-	-
Accrued interest not yet received	24 762	24 388	19 508	20 256	-4 506	-18,2%
Non-current assets	494 955	-	-	-	-494 955	-100,0%
Other assets	634 674	4 206	5 080	6 396	-628 278	-99,0%
Provision for impairment of other assets	39 612	60 695	25 234	17 738	-21 874	-55,2%
Deferred tax asset	-	-	-	30 694	30 694	-
LIABILITIES	3 086 816	993 362	1 187 435	1 486 676	-1 600 140	-51,8%
On demand	2 051 203	859 153	826 256	1 114 506	-936 697	-45,7%
Corporate clients	1 614 281	743 090	638 883	860 932	-753 349	-46,7%
State-owned enterprises	1 101	4 927	5 066	5 009	3 908	355,0%
Residents	1 613 180	738 163	633 817	855 923	-757 257	-46,9%
Individuals	436 922	116 063	187 373	253 574	-183 348	-42,0%
Residents	436 922	116 063	187 373	253 574	-183 348	-42,0%
Term	752 926	86 029	303 405	312 706	-440 220	-58,5%
Corporate clients	581 029	26 590	232 268	207 583	-373 446	-64,3%
Residents	581 029	26 590	232 268	207 583	-373 446	-64,3%
up to 30 days	581 029	17 590	140 087	130 028	-451 001	-77,6%
up to 180 days	-	9 000	92 181	77 555	77 555	-
more than 3 years	-	-	-	-	-	-
Individuals	171 897	59 439	71 137	105 123	-66 774	-38,8%
residents	171 897	59 439	71 137	105 123	-66 774	-38,8%
up to 180 days	238	3	3	3	-235	-98,7%
up to 1 year	26 733	33 174	49 617	72 688	45 955	171,9%
up to 3 years	24 323	16 823	15 488	22 461	-1 862	-7,7%
more than 3 years	120 603	9 439	6 029	9 971	-110 632	-91,7%
Securities issued	600	-	1 324	-	-600	-100,0%
Promissory notes	600	-	1 324	-	-600	-100,0%
up to 180 days	600	-	1 324	-	-600	-100,0%
up to 1 year	-	-	-	-	-	-
Discount accrued	-	-	-	-	-	-
Other liabilities	282 087	48 180	56 450	59 464	-222 623	-78,9%
Other liabilities	263 850	29 489	37 741	42 452	-221 398	-83,9%
Accrued interest not yet paid	18 237	18 691	18 709	17 012	-1 225	-6,7%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	297 830	2 346 498	102 841	257 052	-40 778	-13,7%
Capital	-	-	-	-	-	-
Profit from previous years	-	899 558	2 223	99 289	99 289	-
Retained earnings from previous years	-	899 558	2 223	99 289	99 289	-
Current year profit	297 710	1 446 922	100 201	157 700	-140 010	-47,0%
Current year retained earnings	297 710	1 446 922	100 201	157 700	-140 010	-47,0%
Future expenses	120	18	417	63	-57	-47,5%
OFF-BALANCE SHEET	454 147	424 693	287 661	430 269	-23 878	-5,3%
Contingent liabilities	421 669	258 437	156 140	118 207	-303 462	-72,0%
Guarantees issued	158	20 700	-	-	-158	-100,0%
Unused credit limits opened	421 511	237 737	156 140	118 207	-303 304	-72,0%
Collateral on loans	27 518	162 174	125 478	310 303	282 785	1 027,6%
goods	27 518	162 174	125 478	310 303	282 785	1 027,6%
Unprocessed payments	3 813	2 552	3 843	603	-3 210	-84,2%
Due to lack of funds on client accounts	3 813	2 552	3 843	603	-3 210	-84,2%
Other off-balance sheet accounts	1 147	1 530	2 200	1 156	9	0,8%
Accrued interest not yet received	1 147	1 530	2 200	1 156	9	0,8%
Written-off loans	-	-	-	-	-	-
Credit card balances	9 832	8 465	8 792	13 215	3 383	34,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-