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

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	SPUTNIK	add to comparison
Central Bank of Russia registration number: 1071 retail funding

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.	01.10.2021	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 795 008	10 906 452	1 750 756	6,1	6,2	-44 252	-2,5%
High liquid assets	279 030	5 738 095	165 257	20,6	3,3	-113 773	-40,8%
Cash and equivalents	230 775	5 727 792	52 842	24,8	3,3	-177 933	-77,1%
Cash	226 046	598 770	25 670	2,6	0,3	-200 376	-88,6%
in cash and en route	226 046	598 770	25 670	2,6	0,3	-200 376	-88,6%
in ATMs	-	-	-	-	-	-	-
Nostro account with Central Bank	4 729	5 151 465	27 172	1 089,3	2,9	22 443	474,6%
Nostro accounts	47 223	73 242	111 413	1,6	0,0	64 190	135,9%
Residents	47 223	73 242	111 413	1,6	0,0	64 190	135,9%
Money in transfer	1 032	1 251	1 002	1,2	0,0	-30	-2,9%
Provision for impairment of high-liquid assets	-	-	-	-	-	-	-
Interest-earning assets	1 015 542	5 010 168	1 109 289	4,9	2,9	93 747	9,2%
Dues from banks	163 000	5 002 000	366 000	30,7	2,9	203 000	124,5%
Central Bank of Russia	162 000	5 002 000	365 000	30,9	2,9	203 000	125,3%
Residents	1 000	-	1 000	0,0	0,0	-	0,0%
up to 30 days	1 000	-	1 000	0,0	0,0	-	0,0%
Securities	540 222	87 790	455 906	0,2	0,1	-84 316	-15,6%
Bonds	540 222	87 790	455 906	0,2	0,1	-84 316	-15,6%
Federal Loan Bonds (OFZs), OBRs	369 788	85 947	285 871	0,2	0,0	-83 917	-22,7%
Corporate bonds	45 419	349	45 727	0,0	0,0	308	0,7%
Financial institutions bonds	127 744	854	128 543	0,0	0,0	799	0,6%
Valuation allowance	-2 729	1 747	-4 235	0,6	0,0	-1 506	55,2%
Loans to corporate clients	254 953	28 420	230 536	0,1	0,0	-24 417	-9,6%
residents	242 317	28 163	214 429	0,1	0,0	-27 888	-11,5%
up to 180 days	3 860	3 860	-	1,0	0,0	-3 860	-100,0%
up to 1 year	113 673	68	113 605	0,0	0,0	-68	-0,1%
up to 3 years	100 988	23 984	77 279	0,2	0,0	-23 709	-23,5%
more than 3 years	23 796	251	23 545	0,0	0,0	-251	-1,1%
state-owned enterprises	31 069	2 000	33 069	0,1	0,0	2 000	6,4%
up to 3 years	31 069	2 000	33 069	0,1	0,0	2 000	6,4%
Past-due	4 900	378	5 274	0,1	0,0	374	7,6%
residents	4 900	378	5 274	0,1	0,0	374	7,6%
state-owned enterprises	-	-	-	-	-	-	-
Provision for impairment of corporate loans	-23 333	1 528	-22 236	0,1	0,0	1 097	-4,7%
residents	-22 561	1 516	-21 396	0,1	0,0	1 165	-5,2%
state-owned enterprises	-772	80	-840	0,1	0,0	-68	8,8%
Loans to private entrepreneurs	-	2	-	-	-	-	-
more than 3 years	64	-	64	0,0	0,0	-	0,0%
Past-due	2	2	3	1,0	0,0	1	50,0%
Provision for impairment of loans to private entrepreneurs	-66	-	-67	0,0	0,0	-1	1,5%
Loans to individuals	57 367	1 210	56 847	0,0	0,0	-520	-0,9%
Standard	61 189	748	60 441	0,0	0,0	-748	-1,2%
up to 3 years	1 198	180	1 018	0,2	0,0	-180	-15,0%
more than 3 years	59 991	568	59 423	0,0	0,0	-568	-0,9%
Past-due	3 030	389	2 961	0,1	0,0	-69	-2,3%
Past-due	3 030	389	2 961	0,1	0,0	-69	-2,3%
Provision for impairment of loans to individuals	-6 852	191	-6 555	0,0	0,0	297	-4,3%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	500 436	251 936	476 210	0,5	0,1	-24 226	-4,8%
Mandatory reserves with Central Bank	29 909	23 852	6 057	0,8	0,0	-23 852	-79,7%
Premises and equipment	379 052	117 908	378 981	0,3	0,1	-71	-0,0%
Purchase cost	413 493	115 343	413 549	0,3	0,1	56	0,0%
Depreciation	-34 441	2 621	-34 568	0,1	0,0	-127	0,4%
Accrued interest not yet received	957	4 551	1 035	4,8	0,0	78	8,2%
Other assets	231 215	104 475	232 104	0,5	0,1	889	0,4%
Provision for impairment of other assets	-158 888	2 117	-160 158	0,0	0,0	-1 270	0,8%
Deferred tax asset	18 191	-	18 191	0,0	0,0	-	0,0%
LIABILITIES	1 611 984	555 839	1 581 188	0,3	0,3	-30 796	-1,9%
Dues to banks	575 753	-	575 753	0,0	0,0	-	0,0%
On demand	575 753	-	575 753	0,0	0,0	-	0,0%
Non-residents	575 753	-	575 753	0,0	0,0	-	0,0%
On demand	435 128	188 976	343 566	0,4	0,1	-91 562	-21,0%
Corporate clients	397 841	165 137	326 036	0,4	0,1	-71 805	-18,0%
State-owned enterprises	133	10 369	135	78,0	0,0	2	1,5%
Residents	371 595	129 070	325 451	0,3	0,1	-46 144	-12,4%
Non-residents	26 113	25 700	450	1,0	0,0	-25 663	-98,3%
Individuals	37 287	23 839	17 530	0,6	0,0	-19 757	-53,0%
Residents	37 118	23 744	17 456	0,6	0,0	-19 662	-53,0%
Non-residents	169	95	74	0,6	0,0	-95	-56,2%
Term	457 957	332 362	128 410	0,7	0,2	-329 547	-72,0%
Individuals	457 957	332 362	128 410	0,7	0,2	-329 547	-72,0%
residents	457 957	332 362	128 410	0,7	0,2	-329 547	-72,0%
up to 180 days	9 524	6 519	3 018	0,7	0,0	-6 506	-68,3%
up to 1 year	43 818	22 567	21 285	0,5	0,0	-22 533	-51,4%
up to 3 years	347 159	261 032	88 895	0,8	0,1	-258 264	-74,4%
more than 3 years	57 456	42 244	15 212	0,7	0,0	-42 244	-73,5%
Securities issued	2 100	-	2 100	0,0	0,0	-	0,0%
Promissory notes	2 100	-	2 100	0,0	0,0	-	0,0%
on demand	2 100	-	2 100	0,0	0,0	-	0,0%
Other liabilities	141 046	424 814	531 359	3,0	0,2	390 313	276,7%
Other liabilities	118 224	424 814	509 806	3,6	0,2	391 582	331,2%
Accrued interest not yet paid	1 814	1 269	545	0,7	0,0	-1 269	-70,0%
Deferred tax liabilities	21 008	-	21 008	0,0	0,0	-	0,0%
EQUITY	183 024	28 109	169 568	0,2	0,0	-13 456	-7,4%
Capital	625 896	1 746	624 390	0,0	0,0	-1 506	-0,2%
Profit from previous years	-244 803	-	-244 803	0,0	0,0	-	0,0%
Retained earnings from previous years	-244 803	-	-244 803	0,0	0,0	-	0,0%
Current year profit	-198 069	26 363	-210 019	0,1	0,0	-11 950	6,0%
Current year retained earnings	-198 069	26 363	-210 019	0,1	0,0	-11 950	6,0%
OFF-BALANCE SHEET	1 668 371	70 682	1 698 922	0,0	0,0	30 551	1,8%
Contingent liabilities	-109 792	26 360	-126 208	0,2	0,0	-16 416	15,0%
Unused credit limits opened	-109 792	26 360	-126 208	0,2	0,0	-16 416	15,0%
Collateral on loans	617 795	30 514	626 476	0,0	0,0	8 681	1,4%
goods	617 795	30 514	626 476	0,0	0,0	8 681	1,4%
Unprocessed payments	1 167 129	38 905	1 205 415	0,0	0,0	38 286	3,3%
Due to lack of funds on client accounts	1 167 129	38 905	1 205 415	0,0	0,0	38 286	3,3%
Other off-balance sheet accounts	-6 761	-	-6 761	0,0	0,0	-	0,0%
Written-off interest	-2 122	-	-2 122	0,0	0,0	-	0,0%
Written-off loans	-4 639	-	-4 639	0,0	0,0	-	0,0%
Past due ratio, total	232	-	260	0,0	0,0	28	12,1%
Past due ratio, individuals	472	-	467	0,0	0,0	-5	-1,1%
Past due ratio, corporates	176	-	209	0,0	0,0	33	18,8%
Past due ratio, entrepreneurs	303	-	448	0,0	0,0	145	47,9%
Past due ratio, corporates + entrepreneurs	176	-	209	0,0	0,0	33	18,8%
Risk-weighted assets	-	-	-	-	-	-	-