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

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	SELMASHBANK	add to comparison
Central Bank of Russia registration number: 106

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	2 982 484	44 951 814	7 522 975	15,1	6,0	4 540 491	152,2%
High liquid assets	1 098 273	29 782 964	1 075 842	27,1	4,0	-22 431	-2,0%
Cash and equivalents	120 522	17 733 992	118 617	147,1	2,4	-1 905	-1,6%
Cash	109 609	178 529	115 050	1,6	0,0	5 441	5,0%
in cash and en route	109 609	178 529	115 050	1,6	0,0	5 441	5,0%
Nostro account with Central Bank	10 913	17 560 904	3 567	1 609,2	2,3	-7 346	-67,3%
Nostro accounts	961 579	11 284 731	940 498	11,7	1,5	-21 081	-2,2%
Residents	961 579	11 284 731	940 498	11,7	1,5	-21 081	-2,2%
Money in transfer	16 172	764 796	16 727	47,3	0,1	555	3,4%
Interest-earning assets	1 734 167	14 536 507	6 301 248	8,4	1,9	4 567 081	263,4%
Dues from banks	1 018 000	14 518 500	5 630 000	14,3	1,9	4 612 000	453,0%
Central Bank of Russia	68 000	5 708 500	4 560 000	83,9	0,8	4 492 000	6 605,9%
Residents	950 000	8 810 000	1 070 000	9,3	1,2	120 000	12,6%
up to 30 days	950 000	8 810 000	1 070 000	9,3	1,2	120 000	12,6%
Securities	499 029	9 504	492 524	0,0	0,0	-6 505	-1,3%
Bonds	499 029	9 504	492 524	0,0	0,0	-6 505	-1,3%
Federal Loan Bonds (OFZs), OBRs	333 259	7 412	327 836	0,0	0,0	-5 423	-1,6%
Corporate bonds	106 491	2 079	105 104	0,0	0,0	-1 387	-1,3%
Financial institutions bonds	59 779	301	60 077	0,0	0,0	298	0,5%
Provision for impairment of bonds	-500	17	-493	0,0	0,0	7	-1,4%
Loans to corporate clients	124 736	44 881	91 696	0,4	0,0	-33 040	-26,5%
residents	127 457	38 077	92 880	0,3	0,0	-34 577	-27,1%
up to 30 days	3	-	3	0,0	0,0	-	0,0%
up to 180 days	26 500	26 500	-	1,0	0,0	-26 500	-100,0%
up to 1 year	61 625	10 000	51 625	0,2	0,0	-10 000	-16,2%
up to 3 years	30 750	3 500	33 140	0,1	0,0	2 390	7,8%
more than 3 years	8 579	467	8 112	0,1	0,0	-467	-5,4%
Past-due	4	4	3	1,0	0,0	-1	-25,0%
residents	4	4	3	1,0	0,0	-1	-25,0%
Provision for impairment of corporate loans	-2 725	8 337	-1 187	3,1	0,0	1 538	-56,4%
residents	-2 725	8 337	-1 187	3,1	0,0	1 538	-56,4%
Loans to private entrepreneurs	66 240	4 422	63 013	0,1	0,0	-3 227	-4,9%
up to 3 years	17 834	2 806	15 028	0,2	0,0	-2 806	-15,7%
more than 3 years	51 762	950	50 812	0,0	0,0	-950	-1,8%
Past-due	23 394	-	23 394	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-26 750	836	-26 221	0,0	0,0	529	-2,0%
Loans to individuals	26 162	4 119	24 015	0,2	0,0	-2 147	-8,2%
Standard	27 321	2 357	25 014	0,1	0,0	-2 307	-8,4%
up to 1 year	1 212	1 057	155	0,9	0,0	-1 057	-87,2%
up to 3 years	2 026	273	1 803	0,1	0,0	-223	-11,0%
more than 3 years	24 083	1 027	23 056	0,0	0,0	-1 027	-4,3%
Past-due	11 622	882	12 170	0,1	0,0	548	4,7%
Past-due	11 622	882	12 170	0,1	0,0	548	4,7%
Provision for impairment of loans to individuals	-12 781	1 428	-13 169	0,1	0,0	-388	3,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	150 044	658 933	145 885	4,4	0,1	-4 159	-2,8%
Mandatory reserves with Central Bank	102 784	4 677	98 107	0,0	0,0	-4 677	-4,6%
Premises and equipment	34 257	2 491	35 104	0,1	0,0	847	2,5%
Purchase cost	58 229	2 244	59 890	0,0	0,0	1 661	2,9%
Depreciation	-23 972	1 061	-24 786	0,0	0,0	-814	3,4%
Accrued interest not yet received	1 260	9 295	1 192	7,4	0,0	-68	-5,4%
Other assets	14 320	638 188	14 057	44,6	0,1	-263	-1,8%
Provision for impairment of other assets	-2 577	5 131	-2 575	2,0	0,0	2	-0,1%
LIABILITIES	2 350 275	18 732 945	6 884 319	8,0	2,5	4 534 044	192,9%
Dues to banks	-	83 404	5 510	-	-	5 510	-
Other dues to banks	-	83 404	5 510	-	-	5 510	-
On demand	1 796 544	18 500 389	6 432 967	10,3	2,5	4 636 423	258,1%
Corporate clients	1 450 074	18 182 584	6 099 829	12,5	2,4	4 649 755	320,7%
Residents	1 450 074	18 182 428	6 099 829	12,5	2,4	4 649 755	320,7%
Non-residents	-	156	-	-	-	-	-
Individuals	346 470	331 137	333 138	1,0	0,0	-13 332	-3,8%
Residents	342 812	328 237	329 683	1,0	0,0	-13 129	-3,8%
Non-residents	3 658	2 900	3 455	0,8	0,0	-203	-5,5%
Term	544 432	244 313	433 376	0,4	0,0	-111 056	-20,4%
Corporate clients	156 000	1 300	157 300	0,0	0,0	1 300	0,8%
Residents	156 000	1 300	157 300	0,0	0,0	1 300	0,8%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	156 000	1 300	157 300	0,0	0,0	1 300	0,8%
Individuals	388 432	244 313	276 076	0,6	0,0	-112 356	-28,9%
residents	388 432	244 313	276 076	0,6	0,0	-112 356	-28,9%
up to 30 days	83 741	158 075	44 094	1,9	0,0	-39 647	-47,3%
up to 180 days	1 217	1 754	1 960	1,4	0,0	743	61,1%
up to 1 year	303 474	85 227	230 022	0,3	0,0	-73 452	-24,2%
Other liabilities	9 299	15 895	12 466	1,7	0,0	3 167	34,1%
Other liabilities	3 131	13 454	5 206	4,3	0,0	2 075	66,3%
Accrued interest not yet paid	2 577	2 238	4 234	0,9	0,0	1 657	64,3%
Deferred tax liabilities	3 591	768	3 026	0,2	0,0	-565	-15,7%
EQUITY	632 209	1 746 824	638 656	2,8	0,2	6 447	1,0%
Capital	168 796	1 902	169 605	0,0	0,0	809	0,5%
Profit from previous years	436 144	816 030	462 860	1,9	0,1	26 716	6,1%
Retained earnings from previous years	436 144	816 030	462 860	1,9	0,1	26 716	6,1%
Current year profit	27 269	949 970	6 191	34,8	0,1	-21 078	-77,3%
Current year retained earnings	27 269	949 970	6 191	34,8	0,1	-21 078	-77,3%
OFF-BALANCE SHEET	420 876	170 828	336 675	0,4	0,0	-84 201	-20,0%
Contingent liabilities	-152 177	57 500	-124 868	0,4	0,0	27 309	-17,9%
Unused credit limits opened	-152 177	57 500	-124 868	0,4	0,0	27 309	-17,9%
Collateral on loans	545 962	103 781	443 109	0,2	0,0	-102 853	-18,8%
goods	545 569	103 781	441 788	0,2	0,0	-103 781	-19,0%
securities	393	928	1 321	2,4	0,0	928	236,1%
Unprocessed payments	40 814	18 204	32 157	0,4	0,0	-8 657	-21,2%
Due to lack of funds on client accounts	40 814	18 204	32 157	0,4	0,0	-8 657	-21,2%
Other off-balance sheet accounts	-13 723	-	-13 723	0,0	0,0	-	0,0%
Written-off interest	-224	-	-224	0,0	0,0	-	0,0%
Written-off loans	-13 499	-	-13 499	0,0	0,0	-	0,0%
Past due ratio, total	1 350	-	1 622	0,0	0,0	272	20,1%
Past due ratio, individuals	2 984	-	3 273	0,0	0,0	289	9,7%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	2 516	-	2 622	0,0	0,0	106	4,2%
Past due ratio, corporates + entrepreneurs	1 061	-	1 285	0,0	0,0	224	21,1%
Risk-weighted assets	1 857 485	-	1 828 894	0,0	0,0	-28 591	-1,5%