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

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	STROMKOMBANK	add to comparison
Central Bank of Russia registration number: 404

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.	01.02.2013	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	3 662 009	12 262 513	3 524 479	3,3	3,5	-137 530	-3,8%
High liquid assets	496 379	8 979 596	1 821 132	18,1	2,5	1 324 753	266,9%
Cash and equivalents	142 263	5 063 075	148 606	35,6	1,4	6 343	4,5%
Cash	81 024	1 216 391	84 405	15,0	0,3	3 381	4,2%
in cash and en route	69 355	1 194 611	84 405	17,2	0,3	15 050	21,7%
in ATMs	11 669	33 449	-	2,9	0,0	-11 669	-100,0%
Nostro account with Central Bank	61 239	3 846 684	64 201	62,8	1,1	2 962	4,8%
Nostro accounts	353 910	2 552 048	1 672 510	7,2	0,7	1 318 600	372,6%
Non-residents	-	-	-	-	-	-	-
Residents	353 910	2 552 048	1 672 510	7,2	0,7	1 318 600	372,6%
Money in transfer	254	1 364 662	20	5 372,7	0,4	-234	-92,1%
Provision for impairment of high-liquid assets	-48	45	-4	0,9	0,0	44	-91,7%
Interest-earning assets	3 086 855	3 021 938	1 627 683	1,0	0,9	-1 459 172	-47,3%
Dues from banks	761 341	1 890 010	1 352	2,5	0,5	-759 989	-99,8%
Central Bank of Russia	200 000	200 000	-	1,0	0,1	-200 000	-100,0%
Residents	561 341	1 690 010	1 352	3,0	0,5	-559 989	-99,8%
up to 30 days	561 341	1 690 010	1 352	3,0	0,5	-559 989	-99,8%
up to 180 days	-	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-	-
Securities	706 760	709 052	-	1,0	0,2	-706 760	-100,0%
Bonds	706 760	709 052	-	1,0	0,2	-706 760	-100,0%
Federal Loan Bonds (OFZs), OBRs	706 760	709 052	-	1,0	0,2	-706 760	-100,0%
Loans to corporate clients	1 149 007	381 371	1 167 042	0,3	0,1	18 035	1,6%
residents	1 236 771	349 729	1 246 614	0,3	0,1	9 843	0,8%
up to 30 days	66 679	238 485	90 194	3,6	0,1	23 515	35,3%
up to 180 days	156 109	90 400	207 211	0,6	0,0	51 102	32,7%
up to 1 year	340 613	29 292	332 165	0,1	0,0	-8 448	-2,5%
up to 3 years	556 254	11 226	545 028	0,0	0,0	-11 226	-2,0%
more than 3 years	117 116	45 100	72 016	0,4	0,0	-45 100	-38,5%
Past-due	14 209	9 712	23 908	0,7	0,0	9 699	68,3%
residents	14 209	9 712	23 908	0,7	0,0	9 699	68,3%
Provision for impairment of corporate loans	-101 973	22 222	-103 480	0,2	0,0	-1 507	1,5%
residents	-101 973	22 222	-103 480	0,2	0,0	-1 507	1,5%
Loans to private entrepreneurs	9 958	1 494	8 569	0,2	0,0	-1 389	-13,9%
up to 180 days	299	238	61	0,8	0,0	-238	-79,6%
up to 3 years	9 757	1 251	8 506	0,1	0,0	-1 251	-12,8%
Past-due	85	167	252	2,0	0,0	167	196,5%
Provision for impairment of loans to private entrepreneurs	-183	14	-250	0,1	0,0	-67	36,6%
Loans to individuals	459 789	59 261	450 720	0,1	0,0	-9 069	-2,0%
Standard	468 183	57 751	457 821	0,1	0,0	-10 362	-2,2%
up to 30 days	80	83	-	1,0	0,0	-80	-100,0%
up to 180 days	29 613	2 970	32 029	0,1	0,0	2 416	8,2%
up to 1 year	26 902	15 954	11 972	0,6	0,0	-14 930	-55,5%
up to 3 years	187 911	22 589	176 112	0,1	0,0	-11 799	-6,3%
more than 3 years	223 677	32 602	237 708	0,1	0,0	14 031	6,3%
Past-due	3 280	325	3 045	0,1	0,0	-235	-7,2%
Past-due	3 280	325	3 045	0,1	0,0	-235	-7,2%
Provision for impairment of loans to individuals	-11 674	1 421	-10 146	0,1	0,0	1 528	-13,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	78 775	1 585 732	75 664	20,1	0,4	-3 111	-3,9%
Mandatory reserves with Central Bank	43 267	781	42 486	0,0	0,0	-781	-1,8%
Premises and equipment	15 065	730 054	13 789	48,5	0,2	-1 276	-8,5%
Purchase cost	42 025	729 696	40 355	17,4	0,2	-1 670	-4,0%
Depreciation	-26 960	752	-26 566	0,0	0,0	394	-1,5%
Accrued interest not yet received	23 571	24 260	26 091	1,0	0,0	2 520	10,7%
Other assets	18 536	818 984	13 036	44,2	0,2	-5 500	-29,7%
Provision for impairment of other assets	-21 664	16 099	-19 738	0,7	0,0	1 926	-8,9%
LIABILITIES	3 288 720	4 294 234	3 148 923	1,3	1,2	-139 797	-4,3%
Dues to banks	4 628	180 435	16 587	39,0	0,1	11 959	258,4%
Other dues to banks	4 628	180 435	16 587	39,0	0,1	11 959	258,4%
On demand	1 198 833	3 790 452	1 103 292	3,2	1,1	-95 541	-8,0%
Corporate clients	658 121	3 346 563	589 378	5,1	0,9	-68 743	-10,4%
State-owned enterprises	321	15 393	1 571	48,0	0,0	1 250	389,4%
Residents	657 789	3 325 208	587 797	5,1	0,9	-69 992	-10,6%
Non-residents	11	7 212	10	655,6	0,0	-1	-9,1%
Individuals	540 712	443 889	513 914	0,8	0,1	-26 798	-5,0%
Residents	540 637	443 723	513 821	0,8	0,1	-26 816	-5,0%
Non-residents	75	184	93	2,5	0,0	18	24,0%
Term	2 065 334	251 258	2 008 879	0,1	0,1	-56 455	-2,7%
Corporate clients	261 366	8 505	264 710	0,0	0,0	3 344	1,3%
Residents	261 366	8 505	264 710	0,0	0,0	3 344	1,3%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
up to 1 year	69 900	8 000	74 900	0,1	0,0	5 000	7,2%
up to 3 years	191 466	2 161	189 810	0,0	0,0	-1 656	-0,9%
Individuals	1 803 968	246 097	1 744 169	0,1	0,1	-59 799	-3,3%
residents	1 801 314	245 933	1 741 661	0,1	0,1	-59 653	-3,3%
up to 180 days	97	98	-	1,0	0,0	-97	-100,0%
up to 1 year	642 878	85 931	602 867	0,1	0,0	-40 011	-6,2%
up to 3 years	1 132 167	152 676	1 109 580	0,1	0,0	-22 587	-2,0%
more than 3 years	26 172	10 270	29 214	0,4	0,0	3 042	11,6%
non-residents	2 654	164	2 508	0,1	0,0	-146	-5,5%
up to 180 days	390	14	398	0,0	0,0	8	2,1%
up to 1 year	1 008	158	850	0,2	0,0	-158	-15,7%
up to 3 years	1 150	3	1 153	0,0	0,0	3	0,3%
more than 3 years	106	1	107	0,0	0,0	1	0,9%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
on demand	-	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-	-
Other liabilities	19 925	84 288	20 165	4,2	0,0	240	1,2%
Other liabilities	1 189	68 474	3 806	57,6	0,0	2 617	220,1%
Accrued interest not yet paid	18 736	18 191	16 359	1,0	0,0	-2 377	-12,7%
EQUITY	373 290	76 691	375 556	0,2	0,0	2 266	0,6%
Capital	122 295	2	122 293	0,0	0,0	-2	-0,0%
Profit from previous years	253 143	1	253 144	0,0	0,0	1	0,0%
Retained earnings from previous years	253 143	1	253 144	0,0	0,0	1	0,0%
Current year profit	33	74 463	510	2 256,5	0,0	477	1 445,5%
Current year retained earnings	33	74 463	510	2 256,5	0,0	477	1 445,5%
Future expenses	-2 181	2 227	-391	1,0	0,0	1 790	-82,1%
OFF-BALANCE SHEET	1 838 635	570 093	2 004 370	0,3	0,2	165 735	9,0%
Contingent liabilities	-450 159	439 108	-315 954	1,0	0,1	134 205	-29,8%
Guarantees issued	-61 325	6 100	-65 645	0,1	0,0	-4 320	7,0%
Unused credit limits opened	-388 834	437 328	-250 309	1,1	0,1	138 525	-35,6%
Collateral on loans	2 277 546	162 327	2 308 991	0,1	0,0	31 445	1,4%
goods	2 161 226	130 290	2 190 324	0,1	0,0	29 098	1,3%
securities	116 320	32 037	118 667	0,3	0,0	2 347	2,0%
Other off-balance sheet accounts	11 248	103	11 333	0,0	0,0	85	0,8%
Accrued interest not yet received	11 248	103	11 333	0,0	0,0	85	0,8%
Written-off interest	-	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-	-
Credit card balances	80	83	-	1,0	0,0	-80	-100,0%
Past due ratio, total	101	-	156	0,0	0,0	55	54,5%
Past due ratio, individuals	70	-	66	0,0	0,0	-4	-5,7%
Past due ratio, corporates	114	-	188	0,0	0,0	74	64,9%
Past due ratio, entrepreneurs	84	-	286	0,0	0,0	202	240,5%
Past due ratio, corporates + entrepreneurs	113	-	189	0,0	0,0	76	67,3%