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

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Central Bank of Russia registration number: 435 complies with 214-FZ (equity construction)

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	19 935 116	1 966 853 374	14 928 134	98,7	131,8	-5 006 982	-25,1%
High liquid assets	7 270 279	559 439 340	3 339 935	76,9	37,5	-3 930 344	-54,1%
Cash and equivalents	586 532	9 836 335	1 781 573	16,8	0,7	1 195 041	203,7%
Cash	38 022	9 661	45 331	0,3	0,0	7 309	19,2%
in cash and en route	38 022	9 661	45 331	0,3	0,0	7 309	19,2%
Nostro account with Central Bank	548 510	9 826 674	1 736 242	17,9	0,7	1 187 732	216,5%
Nostro accounts	6 620 893	123 501 307	1 287 215	18,7	8,3	-5 333 678	-80,6%
Non-residents	169 854	21 870 778	474 332	128,8	1,5	304 478	179,3%
Residents	6 451 039	101 935 007	812 883	15,8	6,8	-5 638 156	-87,4%
Money in transfer	84 731	427 468 387	279 457	5 045,0	28,6	194 726	229,8%
Provision for impairment of high-liquid assets	-21 877	36 645	-8 310	1,7	0,0	13 567	-62,0%
Interest-earning assets	10 375 120	87 042 395	9 964 247	8,4	5,8	-410 873	-4,0%
Dues from banks	7 722 443	81 708 576	6 037 784	10,6	5,5	-1 684 659	-21,8%
Residents	7 722 450	81 708 235	6 037 805	10,6	5,5	-1 684 645	-21,8%
up to 30 days	7 722 450	81 708 235	6 037 805	10,6	5,5	-1 684 645	-21,8%
Loans past-due	5	-	5	0,0	0,0	-	0,0%
residents	5	-	5	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-12	341	-26	28,4	0,0	-14	116,7%
Securities	2 556 993	6 301 677	3 836 460	2,5	0,4	1 279 467	50,0%
Bonds	2 556 993	6 301 677	3 836 460	2,5	0,4	1 279 467	50,0%
Federal Loan Bonds (OFZs), OBRs	1 262 359	2 853 416	2 225 569	2,3	0,2	963 210	76,3%
Corporate bonds	670 054	472 066	652 852	0,7	0,0	-17 202	-2,6%
Financial institutions bonds	293 598	236 904	282 486	0,8	0,0	-11 112	-3,8%
Foreign sovereign bonds	54 414	74 519	93 452	1,4	0,0	39 038	71,7%
Corporate foreign bonds	132 455	1 267 462	635 320	9,6	0,1	502 865	379,6%
Foreign financial institutions bonds	29 304	2 389	29 687	0,1	0,0	383	1,3%
Valuation allowance	-23 715	210 748	-132 175	8,9	0,0	-108 460	457,3%
Pledged under REPO	138 524	1 410 202	49 269	10,2	0,1	-89 255	-64,4%
Loans to corporate clients	93 779	311 543	88 152	3,3	0,0	-5 627	-6,0%
residents	65 371	66 994	58 392	1,0	0,0	-6 979	-10,7%
up to 30 days	-	60 015	58 392	-	-	58 392	-
up to 180 days	65 371	65 371	-	1,0	0,0	-65 371	-100,0%
non-residents	29 732	204 561	31 143	6,9	0,0	1 411	4,7%
up to 30 days	-	202 285	-	-	-	-	-
up to 180 days	29 732	2 276	31 143	0,1	0,0	1 411	4,7%
Past-due	769	582	884	0,8	0,0	115	15,0%
residents	769	582	884	0,8	0,0	115	15,0%
non-residents	-	-	-	-	-	-	-
Provision for impairment of corporate loans	-2 093	40 932	-2 267	19,6	0,0	-174	8,3%
residents	-14 743	13 974	-14 292	0,9	0,0	451	-3,1%
non-residents	-1 309	13 448	-1 371	10,3	0,0	-62	4,7%
state-owned enterprises	13 959	13 959	13 396	1,0	0,0	-563	-4,0%
Loans to individuals	1 905	66	1 851	0,0	0,0	-54	-2,8%
Standard	1 917	55	1 862	0,0	0,0	-55	-2,9%
up to 3 years	156	18	138	0,1	0,0	-18	-11,5%
more than 3 years	1 761	37	1 724	0,0	0,0	-37	-2,1%
Past-due	27	6	33	0,2	0,0	6	22,2%
Past-due	27	6	33	0,2	0,0	6	22,2%
Provision for impairment of loans to individuals	-39	11	-44	0,3	0,0	-5	12,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	2 289 717	1 320 371 639	1 623 952	576,7	88,4	-665 765	-29,1%
Mandatory reserves with Central Bank	88 012	37 876	125 888	0,4	0,0	37 876	43,0%
Premises and equipment	78 455	3 933 626	77 704	50,1	0,3	-751	-1,0%
Purchase cost	121 274	3 932 875	121 678	32,4	0,3	404	0,3%
Depreciation	-42 819	1 155	-43 974	0,0	0,0	-1 155	2,7%
Accrued interest not yet received	8 082	62 130	3 487	7,7	0,0	-4 595	-56,9%
Other assets	2 110 873	1 316 293 188	1 396 372	623,6	88,2	-714 501	-33,8%
Provision for impairment of other assets	-11 197	10 402	-1 378	0,9	0,0	9 819	-87,7%
Derivatives - assets	5 019	81 989	1 086	16,3	0,0	-3 933	-78,4%
Deferred tax asset	10 473	10 443	20 793	1,0	0,0	10 320	98,5%
LIABILITIES	18 307 620	1 805 908 475	13 356 478	98,6	121,0	-4 951 142	-27,0%
Dues to banks	1 281 109	141 946 210	477 822	110,8	9,5	-803 287	-62,7%
On demand	349 191	134 491 585	359 693	385,2	9,0	10 502	3,0%
Residents	349 191	134 491 585	359 693	385,2	9,0	10 502	3,0%
Term	931 918	7 437 816	118 129	8,0	0,5	-813 789	-87,3%
Residents	931 918	7 437 816	118 129	8,0	0,5	-813 789	-87,3%
up to 30 days	931 918	7 437 816	118 129	8,0	0,5	-813 789	-87,3%
Other dues to banks	-	27 311	-	-	-	-	-
On demand	9 783 958	1 605 547 376	9 073 840	164,1	107,6	-710 118	-7,3%
Corporate clients	3 109 380	82 587 259	3 036 927	26,6	5,5	-72 453	-2,3%
Residents	2 741 897	21 431 532	2 782 047	7,8	1,4	40 150	1,5%
Non-residents	367 483	61 195 877	254 880	166,5	4,1	-112 603	-30,6%
Individuals	12 433	9 875	11 714	0,8	0,0	-719	-5,8%
Residents	12 254	9 869	11 528	0,8	0,0	-726	-5,9%
Non-residents	179	13	186	0,1	0,0	7	3,9%
Brokerage accounts	6 662 145	1 522 950 242	6 025 199	228,6	102,0	-636 946	-9,6%
Residents	6 647 758	1 522 641 687	6 008 361	229,0	102,0	-639 397	-9,6%
Non-residents	14 387	311 006	16 838	21,6	0,0	2 451	17,0%
Term	555 431	55 193	555 862	0,1	0,0	431	0,1%
Corporate clients	548 371	54 780	548 543	0,1	0,0	172	0,0%
Residents	548 371	54 780	548 543	0,1	0,0	172	0,0%
up to 30 days	-	54 067	48 543	-	-	48 543	-
up to 180 days	48 371	49 084	-	1,0	0,0	-48 371	-100,0%
more than 3 years	500 000	-	500 000	0,0	0,0	-	0,0%
Non-residents	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
Individuals	7 060	413	7 319	0,1	0,0	259	3,7%
residents	7 060	413	7 319	0,1	0,0	259	3,7%
up to 1 year	7 059	413	7 318	0,1	0,0	259	3,7%
up to 3 years	1	-	1	0,0	0,0	-	0,0%
Other liabilities	6 687 122	58 360 127	3 248 954	8,7	3,9	-3 438 168	-51,4%
Other liabilities	6 670 958	58 231 317	3 242 868	8,7	3,9	-3 428 090	-51,4%
Accrued interest not yet paid	9 485	10 718	3 702	1,1	0,0	-5 783	-61,0%
Derivatives - liabilities	3 923	116 609	1 111	29,7	0,0	-2 812	-71,7%
Deferred tax liabilities	2 756	1 483	1 273	0,5	0,0	-1 483	-53,8%
EQUITY	1 627 496	52 331 703	1 571 656	32,2	3,5	-55 840	-3,4%
Capital	999 929	254 360	893 618	0,3	0,0	-106 311	-10,6%
Profit from previous years	98 612	38 341 862	610 306	388,8	2,6	511 694	518,9%
Retained earnings from previous years	98 612	38 341 862	610 306	388,8	2,6	511 694	518,9%
Current year profit	528 955	14 247 175	67 732	26,9	1,0	-461 223	-87,2%
Current year retained earnings	528 955	14 247 175	67 732	26,9	1,0	-461 223	-87,2%
OFF-BALANCE SHEET	1 583	468	1 584	0,3	0,0	1	0,1%
Unprocessed payments	1 643	468	1 644	0,3	0,0	1	0,1%
Due to lack of funds on client accounts	1 643	468	1 644	0,3	0,0	1	0,1%
Other off-balance sheet accounts	-60	-	-60	0,0	0,0	-	0,0%
Written-off loans	-60	-	-60	0,0	0,0	-	0,0%
Past due ratio, total	81	-	99	0,0	0,0	18	22,2%
Past due ratio, individuals	139	-	174	0,0	0,0	35	25,2%
Past due ratio, corporates	80	-	98	0,0	0,0	18	22,5%
Past due ratio, corporates + entrepreneurs	80	-	98	0,0	0,0	18	22,5%
Risk-weighted assets	6 701 042	-	7 136 543	0,0	0,0	435 501	6,5%