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

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	SMOLEVICH	add to comparison
Central Bank of Russia registration number: 1121 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.	01.08.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 960 294	2 881 424	1 252 813	1,5	2,3	-707 481	-36,1%
High liquid assets	366 766	1 948 459	190 068	5,3	1,6	-176 698	-48,2%
Cash and equivalents	325 633	1 776 574	169 970	5,5	1,4	-155 663	-47,8%
Cash	175 702	1 143 631	83 177	6,5	0,9	-92 525	-52,7%
in cash and en route	156 750	1 100 355	75 523	7,0	0,9	-81 227	-51,8%
in ATMs	18 952	43 276	7 654	2,3	0,0	-11 298	-59,6%
Nostro account with Central Bank	149 931	632 943	86 793	4,2	0,5	-63 138	-42,1%
Nostro accounts	35 129	65 100	14 982	1,9	0,1	-20 147	-57,4%
Residents	35 129	65 100	14 982	1,9	0,1	-20 147	-57,4%
Money in transfer	6 004	106 785	5 116	17,8	0,1	-888	-14,8%
Provision for impairment of high-liquid assets	-	-	-	-	-	-	-
Interest-earning assets	1 298 142	573 301	748 277	0,4	0,5	-549 865	-42,4%
Dues from banks	1 770	432	1 994	0,2	0,0	224	12,7%
Residents	1 770	432	1 994	0,2	0,0	224	12,7%
up to 30 days	1 770	432	1 994	0,2	0,0	224	12,7%
Securities	521 620	521 620	-	1,0	0,4	-521 620	-100,0%
Bonds	521 620	521 620	-	1,0	0,4	-521 620	-100,0%
Federal Loan Bonds (OFZs), OBRs	521 620	-	521 620	0,0	0,0	-	0,0%
Provision for impairment of bonds	-	521 620	-521 620	-	-	-521 620	-
Loans to corporate clients	334 990	37 619	308 810	0,1	0,0	-26 180	-7,8%
residents	297 465	37 368	262 321	0,1	0,0	-35 144	-11,8%
up to 30 days	1 460	1 365	1 267	0,9	0,0	-193	-13,2%
up to 180 days	15 732	6 709	9 023	0,4	0,0	-6 709	-42,6%
up to 1 year	73 484	5 224	69 012	0,1	0,0	-4 472	-6,1%
up to 3 years	88 723	21 345	67 678	0,2	0,0	-21 045	-23,7%
more than 3 years	118 066	2 725	115 341	0,0	0,0	-2 725	-2,3%
state-owned enterprises	50 000	970	50 970	0,0	0,0	970	1,9%
up to 1 year	50 000	970	50 970	0,0	0,0	970	1,9%
Past-due	20 701	11 441	32 057	0,6	0,0	11 356	54,9%
residents	20 701	11 441	32 057	0,6	0,0	11 356	54,9%
Provision for impairment of corporate loans	-33 176	371	-36 538	0,0	0,0	-3 362	10,1%
residents	-31 676	371	-35 009	0,0	0,0	-3 333	10,5%
state-owned enterprises	-1 500	29	-1 529	0,0	0,0	-29	1,9%
Loans to private entrepreneurs	97 606	3 579	99 082	0,0	0,0	1 476	1,5%
up to 180 days	-	3 000	3 000	-	-	3 000	-
up to 1 year	3 525	919	2 606	0,3	0,0	-919	-26,1%
up to 3 years	6 411	520	5 985	0,1	0,0	-426	-6,6%
more than 3 years	87 964	2 080	85 884	0,0	0,0	-2 080	-2,4%
Past-due	8 467	-	8 467	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-8 761	60	-6 860	0,0	0,0	1 901	-21,7%
Loans to individuals	342 156	10 275	338 391	0,0	0,0	-3 765	-1,1%
Standard	354 819	9 451	349 292	0,0	0,0	-5 527	-1,6%
up to 180 days	182	59	140	0,3	0,0	-42	-23,1%
up to 1 year	3 084	507	2 944	0,2	0,0	-140	-4,5%
up to 3 years	32 639	2 421	32 068	0,1	0,0	-571	-1,7%
more than 3 years	318 914	6 464	314 140	0,0	0,0	-4 774	-1,5%
Past-due	7 722	526	7 882	0,1	0,0	160	2,1%
Past-due	7 722	526	7 882	0,1	0,0	160	2,1%
Provision for impairment of loans to individuals	-20 385	458	-18 783	0,0	0,0	1 602	-7,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	295 386	378 746	314 468	1,3	0,3	19 082	6,5%
Mandatory reserves with Central Bank	11 985	33 346	45 331	2,8	0,0	33 346	278,2%
Premises and equipment	196 977	10 678	198 162	0,1	0,0	1 185	0,6%
Purchase cost	259 008	8 967	259 925	0,0	0,0	917	0,4%
Depreciation	-62 031	1 711	-61 763	0,0	0,0	268	-0,4%
Accrued interest not yet received	3 487	4 526	3 474	1,3	0,0	-13	-0,4%
Non-current assets	7 624	-	7 624	0,0	0,0	-	0,0%
Other assets	82 690	335 003	77 814	4,1	0,3	-4 876	-5,9%
Provision for impairment of other assets	-7 377	10 642	-17 937	1,4	0,0	-10 560	143,1%
LIABILITIES	1 690 144	1 283 570	1 540 300	0,8	1,0	-149 844	-8,9%
Dues to banks	200 000	215 469	120 122	1,1	0,2	-79 878	-39,9%
Term	200 000	200 000	120 000	1,0	0,2	-80 000	-40,0%
Residents	200 000	200 000	120 000	1,0	0,2	-80 000	-40,0%
up to 30 days	200 000	200 000	-	1,0	0,2	-200 000	-100,0%
Past-due	-	120 000	120 000	-	-	120 000	-
Other dues to banks	-	15 591	122	-	-	122	-
On demand	129 092	774 337	55 129	6,0	0,6	-73 963	-57,3%
Corporate clients	70 522	666 695	8 206	9,5	0,5	-62 316	-88,4%
State-owned enterprises	607	13 281	36	21,9	0,0	-571	-94,1%
Residents	69 913	650 987	8 168	9,3	0,5	-61 745	-88,3%
Non-residents	2	2 427	2	1 213,5	0,0	-	0,0%
Individuals	58 570	107 642	46 923	1,8	0,1	-11 647	-19,9%
Residents	57 655	106 737	46 211	1,9	0,1	-11 444	-19,8%
Non-residents	915	905	712	1,0	0,0	-203	-22,2%
Term	1 324 391	132 035	1 329 379	0,1	0,1	4 988	0,4%
Corporate clients	100 000	-	100 000	0,0	0,0	-	0,0%
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
Non-residents	100 000	-	100 000	0,0	0,0	-	0,0%
more than 3 years	100 000	-	100 000	0,0	0,0	-	0,0%
Individuals	1 224 391	132 035	1 229 379	0,1	0,1	4 988	0,4%
residents	1 223 491	131 975	1 228 419	0,1	0,1	4 928	0,4%
up to 180 days	107 636	23 906	98 680	0,2	0,0	-8 956	-8,3%
up to 1 year	282 805	35 222	273 594	0,1	0,0	-9 211	-3,3%
up to 3 years	820 034	90 811	843 435	0,1	0,1	23 401	2,9%
more than 3 years	13 016	509	12 710	0,0	0,0	-306	-2,4%
non-residents	900	60	960	0,1	0,0	60	6,7%
up to 180 days	120	-	120	0,0	0,0	-	0,0%
up to 1 year	160	60	220	0,4	0,0	60	37,5%
up to 3 years	620	-	620	0,0	0,0	-	0,0%
Other liabilities	36 661	166 717	35 670	4,5	0,1	-991	-2,7%
Other liabilities	2 896	156 761	2 100	54,1	0,1	-796	-27,5%
Accrued interest not yet paid	12 975	9 761	13 992	0,8	0,0	1 017	7,8%
Liabilities past-due	60	-	60	0,0	0,0	-	0,0%
Deferred tax liabilities	20 730	1 212	19 518	0,1	0,0	-1 212	-5,8%
EQUITY	270 149	579 907	-287 487	2,1	0,5	-557 636	-206,4%
Capital	186 536	3	186 533	0,0	0,0	-3	-0,0%
Profit from previous years	50 501	3	50 504	0,0	0,0	3	0,0%
Retained earnings from previous years	50 501	3	50 504	0,0	0,0	3	0,0%
Current year profit	43 117	578 465	-513 572	13,4	0,5	-556 689	-1 291,1%
Current year retained earnings	43 117	578 465	-513 572	13,4	0,5	-556 689	-1 291,1%
Future expenses	-10 005	1 439	-10 952	0,1	0,0	-947	9,5%
OFF-BALANCE SHEET	1 588 717	384 386	1 670 450	0,2	0,3	81 733	5,1%
Contingent liabilities	-88 588	11 778	-84 829	0,1	0,0	3 759	-4,2%
Guarantees issued	-46 539	-	-46 539	0,0	0,0	-	0,0%
Unused credit limits opened	-42 049	11 778	-38 290	0,3	0,0	3 759	-8,9%
Collateral on loans	1 386 037	362 294	1 474 426	0,3	0,3	88 389	6,4%
goods	1 386 037	362 294	1 474 426	0,3	0,3	88 389	6,4%
Unprocessed payments	285 307	11 421	274 438	0,0	0,0	-10 869	-3,8%
Due to lack of funds on client accounts	285 307	11 421	274 438	0,0	0,0	-10 869	-3,8%
Other off-balance sheet accounts	5 961	3 100	6 415	0,5	0,0	454	7,6%
Accrued interest not yet received	8 185	3 100	8 636	0,4	0,0	451	5,5%
Written-off interest	-184	-	-184	0,0	0,0	-	0,0%
Written-off loans	-2 040	3	-2 037	0,0	0,0	3	-0,1%
Past due ratio, total	441	-	599	0,0	0,0	158	35,8%
Past due ratio, individuals	213	-	221	0,0	0,0	8	3,8%
Past due ratio, corporates	562	-	928	0,0	0,0	366	65,1%
Past due ratio, entrepreneurs	796	-	799	0,0	0,0	3	0,4%
Past due ratio, corporates + entrepreneurs	615	-	898	0,0	0,0	283	46,0%
Risk-weighted assets	1 718 426	-	-	0,0	0,0	-1 718 426	-100,0%