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

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	SEVASTOPOSKIY MORSKOY BANK	add to comparison
Central Bank of Russia registration number: 3528

Financial analysis

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.	01.10.2021	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	874 422	190 071	891 780	0,2	0,2	17 358	2,0%
High liquid assets	44 984	39 199	55 268	0,9	0,0	10 284	22,9%
Cash and equivalents	37 386	39 075	47 671	1,0	0,0	10 285	27,5%
Cash	21 481	6 187	20 186	0,3	0,0	-1 295	-6,0%
in cash and en route	21 481	6 187	20 186	0,3	0,0	-1 295	-6,0%
Nostro account with Central Bank	15 905	34 183	27 485	2,1	0,0	11 580	72,8%
Nostro accounts	23	1	22	0,0	0,0	-1	-4,3%
Residents	23	1	22	0,0	0,0	-1	-4,3%
Money in transfer	7 575	124	7 575	0,0	0,0	-	0,0%
Interest-earning assets	471 076	100 445	471 239	0,2	0,1	163	0,0%
Loans to corporate clients	335 114	87 689	329 284	0,3	0,1	-5 830	-1,7%
residents	90 000	-	90 000	0,0	0,0	-	0,0%
up to 3 years	-	-	-	-	-	-	-
more than 3 years	90 000	-	90 000	0,0	0,0	-	0,0%
Past-due	826 520	80 679	749 955	0,1	0,1	-76 565	-9,3%
residents	407 199	8 302	403 011	0,0	0,0	-4 188	-1,0%
non-residents	419 309	72 375	346 934	0,2	0,1	-72 375	-17,3%
state-owned enterprises	12	2	10	0,2	0,0	-2	-16,7%
Provision for impairment of corporate loans	-581 406	62 388	-510 671	0,1	0,1	70 735	-12,2%
residents	-305 696	33 676	-291 834	0,1	0,0	13 862	-4,5%
non-residents	-275 702	28 711	-218 831	0,1	0,0	56 871	-20,6%
state-owned enterprises	-8	1	-6	0,1	0,0	2	-25,0%
Loans to private entrepreneurs	11 156	3 106	12 151	0,3	0,0	995	8,9%
Past-due	32 573	383	32 909	0,0	0,0	336	1,0%
Provision for impairment of loans to private entrepreneurs	-21 417	2 723	-20 758	0,1	0,0	659	-3,1%
Loans to individuals	124 806	30 837	129 804	0,2	0,0	4 998	4,0%
Standard	25 562	3 128	22 434	0,1	0,0	-3 128	-12,2%
up to 3 years	2 552	2 222	330	0,9	0,0	-2 222	-87,1%
more than 3 years	23 010	906	22 104	0,0	0,0	-906	-3,9%
Past-due	297 534	5 888	297 141	0,0	0,0	-393	-0,1%
Past-due	297 534	5 888	297 141	0,0	0,0	-393	-0,1%
Provision for impairment of loans to individuals	-198 290	25 342	-189 771	0,1	0,0	8 519	-4,3%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	358 362	50 427	365 273	0,1	0,1	6 911	1,9%
Mandatory reserves with Central Bank	489	119	370	0,2	0,0	-119	-24,3%
Premises and equipment	272 568	14 807	269 034	0,1	0,0	-3 534	-1,3%
Purchase cost	352 944	12 614	346 157	0,0	0,0	-6 787	-1,9%
Depreciation	-80 376	5 446	-77 123	0,1	0,0	3 253	-4,0%
Accrued interest not yet received	8 096	9 543	8 269	1,2	0,0	173	2,1%
Other assets	120 808	20 032	126 900	0,2	0,0	6 092	5,0%
Provision for impairment of other assets	-43 599	9 579	-39 300	0,2	0,0	4 299	-9,9%
LIABILITIES	891 422	68 670	916 681	0,1	0,1	25 259	2,8%
Dues to banks	280 000	15 137	295 000	0,1	0,0	15 000	5,4%
Term	280 000	15 000	295 000	0,1	0,0	15 000	5,4%
Residents	280 000	15 000	295 000	0,1	0,0	15 000	5,4%
up to 180 days	280 000	15 000	295 000	0,1	0,0	15 000	5,4%
Other dues to banks	-	137	-	-	-	-	-
On demand	49 785	14 345	46 479	0,3	0,0	-3 306	-6,6%
Corporate clients	12 159	3 986	13 399	0,3	0,0	1 240	10,2%
State-owned enterprises	1 699	10	1 694	0,0	0,0	-5	-0,3%
Residents	10 292	3 975	11 540	0,4	0,0	1 248	12,1%
Non-residents	168	9	165	0,1	0,0	-3	-1,8%
Individuals	37 626	11 599	33 080	0,3	0,0	-4 546	-12,1%
Residents	28 387	10 967	24 335	0,4	0,0	-4 052	-14,3%
Non-residents	9 239	632	8 745	0,1	0,0	-494	-5,3%
Term	743 977	2 977	741 000	0,0	0,0	-2 977	-0,4%
Corporate clients	740 900	-	740 900	0,0	0,0	-	0,0%
State-owned enterprises	740 900	-	740 900	0,0	0,0	-	0,0%
more than 3 years	740 900	-	740 900	0,0	0,0	-	0,0%
Individuals	3 077	2 977	100	1,0	0,0	-2 977	-96,8%
residents	3 077	2 977	100	1,0	0,0	-2 977	-96,8%
up to 1 year	5	5	-	1,0	0,0	-5	-100,0%
up to 3 years	2 972	2 972	-	1,0	0,0	-2 972	-100,0%
more than 3 years	100	-	100	0,0	0,0	-	0,0%
non-residents	-	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-	-
Other liabilities	-182 340	42 494	-165 798	0,2	0,0	16 542	-9,1%
Other liabilities	-260 635	34 874	-251 666	0,1	0,0	8 969	-3,4%
Accrued interest not yet paid	1 543	2 012	3 535	1,3	0,0	1 992	129,1%
Deferred tax liabilities	76 752	5 608	82 333	0,1	0,0	5 581	7,3%
EQUITY	-17 001	44 332	-24 900	2,6	0,0	-7 899	46,5%
Capital	37 103	27	37 130	0,0	0,0	27	0,1%
Profit from previous years	-89 054	-	-89 054	0,0	0,0	-	0,0%
Retained earnings from previous years	-89 054	-	-89 054	0,0	0,0	-	0,0%
Current year profit	34 950	44 332	27 024	1,3	0,0	-7 926	-22,7%
Current year retained earnings	34 950	44 332	27 024	1,3	0,0	-7 926	-22,7%
OFF-BALANCE SHEET	1 221 012	181 513	1 105 452	0,1	0,2	-115 560	-9,5%
Contingent liabilities	-7 735	3 737	-4 000	0,5	0,0	3 735	-48,3%
Guarantees issued	-4 000	-	-4 000	0,0	0,0	-	0,0%
Unused credit limits opened	-3 735	3 737	-	1,0	0,0	3 735	-100,0%
Collateral on loans	1 374 079	58 978	1 330 498	0,0	0,1	-43 581	-3,2%
goods	1 372 689	58 978	1 329 108	0,0	0,1	-43 581	-3,2%
securities	1 390	-	1 390	0,0	0,0	-	0,0%
Unprocessed payments	43 623	36 422	43 371	0,8	0,0	-252	-0,6%
Due to lack of funds on client accounts	43 623	36 422	43 371	0,8	0,0	-252	-0,6%
Other off-balance sheet accounts	-188 955	82 628	-264 417	0,4	0,1	-75 462	39,9%
Written-off interest	-8 574	1 610	-9 840	0,2	0,0	-1 266	14,8%
Written-off loans	-180 381	81 018	-254 577	0,4	0,1	-74 196	41,1%
Past due ratio, total	9 092	-	9 057	0,0	0,0	-35	-0,4%
Past due ratio, individuals	9 209	-	9 298	0,0	0,0	89	1,0%
Past due ratio, corporates	9 018	-	8 929	0,0	0,0	-89	-1,0%
Past due ratio, entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	9 052	-	8 969	0,0	0,0	-83	-0,9%