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

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	ZARECHE	add to comparison
Central Bank of Russia registration number: 817 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	3 516 084	62 338 565	3 273 715	17,7	19,0	-242 369	-6,9%
High liquid assets	196 250	31 060 851	238 758	158,3	9,5	42 508	21,7%
Cash and equivalents	132 795	25 954 476	190 794	195,4	7,9	57 999	43,7%
Cash	51 042	161 898	69 381	3,2	0,0	18 339	35,9%
in cash and en route	40 465	161 214	58 494	4,0	0,0	18 029	44,6%
precious metals	10 577	684	10 887	0,1	0,0	310	2,9%
Nostro account with Central Bank	81 753	25 792 578	121 413	315,5	7,9	39 660	48,5%
Nostro accounts	44 654	18 701	31 255	0,4	0,0	-13 399	-30,0%
Residents	44 654	18 701	31 255	0,4	0,0	-13 399	-30,0%
Money in transfer	18 836	5 103 165	16 744	270,9	1,6	-2 092	-11,1%
Provision for impairment of high-liquid assets	-35	-	-35	0,0	0,0	-	0,0%
Interest-earning assets	2 296 912	26 776 093	2 077 144	11,7	8,2	-219 768	-9,6%
Dues from banks	1 760 749	26 658 999	1 544 553	15,1	8,1	-216 196	-12,3%
Central Bank of Russia	1 600 000	1 600 000	-	1,0	0,5	-1 600 000	-100,0%
Residents	161 194	26 436 100	1 552 194	164,0	8,1	1 391 000	862,9%
up to 30 days	161 194	26 436 100	1 552 194	164,0	8,1	1 391 000	862,9%
Provision for impairment of loans to banks	-445	13 899	-7 641	31,2	0,0	-7 196	1 617,1%
Loans to corporate clients	509 735	116 277	506 825	0,2	0,0	-2 910	-0,6%
residents	511 866	110 985	508 896	0,2	0,0	-2 970	-0,6%
up to 30 days	44 867	50 980	23 867	1,1	0,0	-21 000	-46,8%
up to 180 days	50 383	41 365	72 895	0,8	0,0	22 512	44,7%
up to 1 year	288 250	40 867	284 053	0,1	0,0	-4 197	-1,5%
up to 3 years	120 165	285	119 880	0,0	0,0	-285	-0,2%
more than 3 years	8 201	-	8 201	0,0	0,0	-	0,0%
Past-due	2 001	-	2 001	0,0	0,0	-	0,0%
residents	2 001	-	2 001	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-4 132	5 343	-4 072	1,3	0,0	60	-1,5%
residents	-4 132	5 343	-4 072	1,3	0,0	60	-1,5%
Loans to private entrepreneurs	5 646	231	5 508	0,0	0,0	-138	-2,4%
up to 3 years	3 054	139	2 915	0,0	0,0	-139	-4,6%
Past-due	14 139	97	14 236	0,0	0,0	97	0,7%
Provision for impairment of loans to private entrepreneurs	-11 547	92	-11 643	0,0	0,0	-96	0,8%
Loans to individuals	20 782	586	20 258	0,0	0,0	-524	-2,5%
Standard	21 693	547	21 146	0,0	0,0	-547	-2,5%
up to 1 year	133	14	119	0,1	0,0	-14	-10,5%
up to 3 years	10 245	351	9 894	0,0	0,0	-351	-3,4%
more than 3 years	11 315	182	11 133	0,0	0,0	-182	-1,6%
Provision for impairment of loans to individuals	-911	62	-888	0,1	0,0	23	-2,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 022 922	4 544 129	957 813	4,4	1,4	-65 109	-6,4%
Mandatory reserves with Central Bank	14 290	5 925	20 215	0,4	0,0	5 925	41,5%
Premises and equipment	501 700	107 316	674 410	0,2	0,0	172 710	34,4%
Purchase cost	603 041	106 696	776 372	0,2	0,0	173 331	28,7%
Depreciation	-101 341	621	-101 962	0,0	0,0	-621	0,6%
Accrued interest not yet received	11 349	17 421	14 700	1,5	0,0	3 351	29,5%
Other assets	564 401	4 415 764	313 602	7,8	1,3	-250 799	-44,4%
Provision for impairment of other assets	-68 818	10 683	-65 114	0,2	0,0	3 704	-5,4%
LIABILITIES	2 422 547	6 538 421	2 183 187	2,7	2,0	-239 360	-9,9%
Dues to banks	-	10	-	-	-	-	-
Other dues to banks	-	10	-	-	-	-	-
On demand	653 025	2 940 629	670 927	4,5	0,9	17 902	2,7%
Corporate clients	530 362	2 638 871	469 025	5,0	0,8	-61 337	-11,6%
Residents	530 362	2 638 871	469 025	5,0	0,8	-61 337	-11,6%
Individuals	122 663	363 095	201 902	3,0	0,1	79 239	64,6%
Residents	122 661	363 095	201 900	3,0	0,1	79 239	64,6%
Non-residents	2	-	2	0,0	0,0	-	0,0%
Term	1 720 813	896 830	1 456 234	0,5	0,3	-264 579	-15,4%
Corporate clients	996 500	828 000	774 500	0,8	0,3	-222 000	-22,3%
Residents	996 500	828 000	774 500	0,8	0,3	-222 000	-22,3%
up to 30 days	-	160 000	160 000	-	-	160 000	-
up to 180 days	830 000	828 000	448 000	1,0	0,3	-382 000	-46,0%
up to 1 year	4 500	-	4 500	0,0	0,0	-	0,0%
up to 3 years	11 000	-	11 000	0,0	0,0	-	0,0%
more than 3 years	151 000	-	151 000	0,0	0,0	-	0,0%
Individuals	724 313	68 830	681 734	0,1	0,0	-42 579	-5,9%
residents	724 313	68 830	681 734	0,1	0,0	-42 579	-5,9%
up to 1 year	90 236	16 183	81 463	0,2	0,0	-8 773	-9,7%
up to 3 years	530 541	52 647	496 735	0,1	0,0	-33 806	-6,4%
more than 3 years	103 536	-	103 536	0,0	0,0	-	0,0%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
on demand	-	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-	-
Other liabilities	48 709	2 726 171	56 026	56,0	0,8	7 317	15,0%
Other liabilities	9 639	2 719 154	18 749	282,1	0,8	9 110	94,5%
Accrued interest not yet paid	23 562	8 810	21 769	0,4	0,0	-1 793	-7,6%
Deferred tax liabilities	15 508	-	15 508	0,0	0,0	-	0,0%
EQUITY	1 093 537	6 495 885	1 090 528	5,9	2,0	-3 009	-0,3%
Capital	1 136 908	-	1 136 908	0,0	0,0	-	0,0%
Profit from previous years	31 865	4 827 215	-47 086	151,5	1,5	-78 951	-247,8%
Retained earnings from previous years	31 865	4 827 215	-47 086	151,5	1,5	-78 951	-247,8%
Current year profit	-75 236	1 744 612	706	23,2	0,5	75 942	-100,9%
Current year retained earnings	-75 236	1 744 612	706	23,2	0,5	75 942	-100,9%
OFF-BALANCE SHEET	193 574	112 087	229 645	0,6	0,0	36 071	18,6%
Contingent liabilities	-168 406	110 516	-136 224	0,7	0,0	32 182	-19,1%
Unused credit limits opened	-168 406	110 516	-136 224	0,7	0,0	32 182	-19,1%
Collateral on loans	354 500	5 400	358 470	0,0	0,0	3 970	1,1%
goods	354 500	5 400	358 470	0,0	0,0	3 970	1,1%
securities	-	-	-	-	-	-	-
Unprocessed payments	7 521	222	7 440	0,0	0,0	-81	-1,1%
Due to lack of funds on client accounts	7 521	222	7 440	0,0	0,0	-81	-1,1%
Other off-balance sheet accounts	-41	-	-41	0,0	0,0	-	0,0%
Written-off loans	-41	-	-41	0,0	0,0	-	0,0%
Past due ratio, total	292	-	296	0,0	0,0	4	1,4%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	39	-	39	0,0	0,0	-	0,0%
Past due ratio, entrepreneurs	8 224	-	8 300	0,0	0,0	76	0,9%
Past due ratio, corporates + entrepreneurs	304	-	307	0,0	0,0	3	1,0%
Risk-weighted assets	1 874 687	-	2 113 268	0,0	0,0	238 581	12,7%