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

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	ZAPSIBKOMBANK	add to comparison
Central Bank of Russia registration number: 918 retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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.	01.12.2021	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	24 308 574	219 174 474	23 646 440	9,0	9,3	-662 134	-2,7%
High liquid assets	749 184	132 832 018	15 998 948	177,3	5,6	15 249 764	2 035,5%
Cash and equivalents	399 463	18 183 355	102 438	45,5	0,8	-297 025	-74,4%
Cash	53 444	293 840	102 438	5,5	0,0	48 994	91,7%
in cash and en route	53 444	293 840	102 438	5,5	0,0	48 994	91,7%
in ATMs	-	-	-	-	-	-	-
Nostro account with Central Bank	346 019	17 938 509	-	51,8	0,8	-346 019	-100,0%
Nostro accounts	327 207	114 534 201	15 895 720	350,0	4,8	15 568 513	4 758,0%
Non-residents	5 440	5 515	-	1,0	0,0	-5 440	-100,0%
Residents	321 767	114 534 126	15 895 720	356,0	4,8	15 573 953	4 840,1%
Money in transfer	22 514	433 211	790	19,2	0,0	-21 724	-96,5%
Interest-earning assets	21 157 589	97 887 286	5 406 546	4,6	4,1	-15 751 043	-74,4%
Dues from banks	16 397 050	95 477 992	2 042 035	5,8	4,0	-14 355 015	-87,5%
Central Bank of Russia	-	-	-	-	-	-	-
Residents	16 357 372	95 474 207	2 000 000	5,8	4,0	-14 357 372	-87,8%
up to 30 days	14 357 372	95 474 207	-	6,6	4,0	-14 357 372	-100,0%
up to 180 days	-	-	-	-	-	-	-
more than 180 days	2 000 000	-	2 000 000	0,0	0,0	-	0,0%
Non-residents	42 241	1 688	42 035	0,0	0,0	-206	-0,5%
up to 30 days	42 241	1 688	42 035	0,0	0,0	-206	-0,5%
Provision for impairment of loans to banks	-2 563	4 660	-	1,8	0,0	2 563	-100,0%
Securities	1 500 933	21 319	1 522 020	0,0	0,0	21 087	1,4%
Bonds	1 500 933	21 319	1 522 020	0,0	0,0	21 087	1,4%
Federal Loan Bonds (OFZs), OBRs	1 540 000	9 402	1 549 170	0,0	0,0	9 170	0,6%
Valuation allowance	-39 067	11 917	-27 150	0,3	0,0	11 917	-30,5%
Loans to corporate clients	2 237 888	1 913 571	963 112	0,9	0,1	-1 274 776	-57,0%
residents	1 787 763	1 261 906	565 857	0,7	0,1	-1 221 906	-68,3%
up to 180 days	12 064	12 064	-	1,0	0,0	-12 064	-100,0%
up to 1 year	137 788	43 983	93 805	0,3	0,0	-43 983	-31,9%
up to 3 years	921 779	631 857	289 922	0,7	0,0	-631 857	-68,5%
more than 3 years	716 132	574 002	182 130	0,8	0,0	-534 002	-74,6%
state-owned enterprises	655 700	100 000	555 700	0,2	0,0	-100 000	-15,3%
up to 1 year	-	-	-	-	-	-	-
more than 3 years	655 700	100 000	555 700	0,2	0,0	-100 000	-15,3%
Past-due	1 031 260	139 350	1 027 711	0,1	0,0	-3 549	-0,3%
residents	1 026 223	135 801	1 027 711	0,1	0,0	1 488	0,1%
state-owned enterprises	5 037	5 037	-	1,0	0,0	-5 037	-100,0%
Provision for impairment of corporate loans	-1 236 835	471 780	-1 186 156	0,4	0,0	50 679	-4,1%
residents	-1 230 076	470 224	-1 180 043	0,4	0,0	50 033	-4,1%
state-owned enterprises	-6 759	5 702	-6 113	0,8	0,0	646	-9,6%
Loans to private entrepreneurs	190 198	50 809	155 117	0,3	0,0	-35 081	-18,4%
up to 3 years	55 300	4 051	51 249	0,1	0,0	-4 051	-7,3%
more than 3 years	141 485	32 124	109 361	0,2	0,0	-32 124	-22,7%
Past-due	65 817	2 222	64 412	0,0	0,0	-1 405	-2,1%
Provision for impairment of loans to private entrepreneurs	-72 404	14 336	-69 905	0,2	0,0	2 499	-3,5%
Loans to individuals	831 520	444 682	724 262	0,5	0,0	-107 258	-12,9%
Standard	1 049 815	201 449	853 772	0,2	0,0	-196 043	-18,7%
up to 30 days	1 664	1 664	-	1,0	0,0	-1 664	-100,0%
up to 3 years	378	190	188	0,5	0,0	-190	-50,3%
more than 3 years	1 047 773	199 595	853 584	0,2	0,0	-194 189	-18,5%
Past-due	119 950	62 255	109 949	0,5	0,0	-10 001	-8,3%
Past-due	119 950	62 255	109 949	0,5	0,0	-10 001	-8,3%
Provision for impairment of loans to individuals	-338 245	271 551	-239 459	0,8	0,0	98 786	-29,2%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	2 401 801	3 704 934	2 240 946	1,5	0,2	-160 855	-6,7%
Mandatory reserves with Central Bank	75 724	23 168	52 556	0,3	0,0	-23 168	-30,6%
Premises and equipment	2 019 280	937 443	1 863 305	0,5	0,0	-155 975	-7,7%
Purchase cost	2 809 580	925 875	2 354 909	0,3	0,0	-454 671	-16,2%
Depreciation	-790 300	310 264	-491 604	0,4	0,0	298 696	-37,8%
Accrued interest not yet received	142 734	204 259	68 300	1,4	0,0	-74 434	-52,1%
Other assets	324 056	2 545 038	372 822	7,9	0,1	48 766	15,0%
Provision for impairment of other assets	-159 993	88 059	-116 037	0,6	0,0	43 956	-27,5%
LIABILITIES	5 494 506	5 414 361	2 850 272	1,0	0,2	-2 644 234	-48,1%
Dues to banks	5 186	34 441	-	6,6	0,0	-5 186	-100,0%
Term	5 000	5 000	-	1,0	0,0	-5 000	-100,0%
Central Bank of Russia	5 000	5 000	-	1,0	0,0	-5 000	-100,0%
more than 180 days	5 000	5 000	-	1,0	0,0	-5 000	-100,0%
Other dues to banks	186	29 441	-	158,3	0,0	-186	-100,0%
On demand	2 129 062	2 127 193	1 353 419	1,0	0,1	-775 643	-36,4%
Corporate clients	494 027	709 113	274 286	1,4	0,0	-219 741	-44,5%
State-owned enterprises	1 528	1 528	-	1,0	0,0	-1 528	-100,0%
Residents	492 374	707 585	274 161	1,4	0,0	-218 213	-44,3%
Non-residents	125	-	125	0,0	0,0	-	0,0%
Individuals	1 635 035	1 418 080	1 079 133	0,9	0,1	-555 902	-34,0%
Residents	1 617 551	1 416 323	1 061 856	0,9	0,1	-555 695	-34,4%
Non-residents	17 484	1 757	17 277	0,1	0,0	-207	-1,2%
Brokerage accounts	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
Term	2 629 534	1 671 927	994 552	0,6	0,1	-1 634 982	-62,2%
Corporate clients	194 561	149 827	46 073	0,8	0,0	-148 488	-76,3%
Residents	194 561	149 827	46 073	0,8	0,0	-148 488	-76,3%
up to 1 year	2 300	2 300	-	1,0	0,0	-2 300	-100,0%
up to 3 years	179 847	147 250	33 071	0,8	0,0	-146 776	-81,6%
more than 3 years	12 414	865	13 002	0,1	0,0	588	4,7%
Individuals	2 434 973	1 522 100	948 479	0,6	0,1	-1 486 494	-61,0%
residents	2 434 692	1 522 092	948 205	0,6	0,1	-1 486 487	-61,1%
up to 3 years	2 434 692	1 522 092	948 205	0,6	0,1	-1 486 487	-61,1%
non-residents	281	8	274	0,0	0,0	-7	-2,5%
up to 3 years	281	8	274	0,0	0,0	-7	-2,5%
Other liabilities	730 724	1 580 800	502 301	2,2	0,1	-228 423	-31,3%
Other liabilities	380 402	1 494 420	224 124	3,9	0,1	-156 278	-41,1%
Accrued interest not yet paid	11 240	8 774	9 955	0,8	0,0	-1 285	-11,4%
Deferred tax liabilities	339 082	77 606	268 222	0,2	0,0	-70 860	-20,9%
EQUITY	18 814 068	98 229 018	20 796 167	5,2	4,2	1 982 099	10,5%
Capital	3 402 492	116 073	3 341 999	0,0	0,0	-60 493	-1,8%
Profit from previous years	14 521 144	73 501 472	17 454 168	5,1	3,1	2 933 024	20,2%
Retained earnings from previous years	14 521 144	73 501 472	17 454 168	5,1	3,1	2 933 024	20,2%
Current year profit	890 432	25 562 398	-	28,7	1,1	-890 432	-100,0%
Current year retained earnings	890 432	25 562 398	-	28,7	1,1	-890 432	-100,0%
OFF-BALANCE SHEET	19 369 039	14 111 391	3 823 078	0,7	0,6	-15 545 961	-80,3%
Unused credit limits available	3 000 000	3 000 000	-	1,0	0,1	-3 000 000	-100,0%
Contingent liabilities	-1 543 415	936 442	-696 906	0,6	0,0	846 509	-54,8%
Guarantees issued	-868 956	172 407	-696 549	0,2	0,0	172 407	-19,8%
Unused credit limits opened	-674 459	764 035	-357	1,1	0,0	674 102	-99,9%
Collateral on loans	8 331 680	3 647 458	4 796 487	0,4	0,2	-3 535 193	-42,4%
goods	8 279 041	3 647 458	4 743 848	0,4	0,2	-3 535 193	-42,7%
securities	52 639	-	52 639	0,0	0,0	-	0,0%
Unprocessed payments	9 909 554	10 889 929	36 196	1,1	0,5	-9 873 358	-99,6%
Due to lack of funds on client accounts	9 909 554	10 889 929	36 196	1,1	0,5	-9 873 358	-99,6%
Other off-balance sheet accounts	-328 780	19 264	-312 699	0,1	0,0	16 081	-4,9%
Written-off interest	-25 756	1 209	-24 547	0,0	0,0	1 209	-4,7%
Written-off loans	-303 024	18 055	-288 152	0,1	0,0	14 872	-4,9%
Credit card balances	1 664	1 664	-	1,0	0,0	-1 664	-100,0%
Past due ratio, total	2 480	-	3 601	0,0	0,0	1 121	45,2%
Past due ratio, individuals	1 025	-	1 141	0,0	0,0	116	11,3%
Past due ratio, corporates	2 968	-	4 782	0,0	0,0	1 814	61,1%
Past due ratio, entrepreneurs	2 506	-	2 862	0,0	0,0	356	14,2%
Past due ratio, corporates + entrepreneurs	2 935	-	4 600	0,0	0,0	1 665	56,7%
Risk-weighted assets	27 008 627	-	25 854 359	0,0	0,0	-1 154 268	-4,3%