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

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	STAVROPOLPROMSTROYBANK	add to comparison
Central Bank of Russia registration number: 1288 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.


Turnover by thous. rub.					Period change
ASSETS	63 162 191	57 169 409	65 391 996	52 680 375	-10 481 816	-16,6%
High liquid assets	39 448 749	36 807 787	41 565 311	32 760 653	-6 688 096	-17,0%
Cash and equivalents	37 542 190	33 856 233	39 437 448	30 829 947	-6 712 243	-17,9%
Cash	6 508 320	6 524 659	6 977 726	5 541 566	-966 754	-14,9%
in cash and en route	6 231 793	6 248 314	6 626 706	5 319 435	-912 358	-14,6%
in ATMs	276 527	276 345	351 020	222 131	-54 396	-19,7%
Nostro account with Central Bank	31 033 870	27 331 574	32 459 722	25 288 381	-5 745 489	-18,5%
Nostro accounts	1 013 676	1 345 594	1 117 550	803 780	-209 896	-20,7%
Residents	1 013 676	1 345 594	1 117 550	803 780	-209 896	-20,7%
Money in transfer	884 055	1 590 329	1 003 618	1 115 166	231 111	26,1%
Provision for impairment of high-liquid assets	8 828	15 631	6 695	11 760	2 932	33,2%
Interest-earning assets	22 803 679	19 571 139	23 200 457	19 354 546	-3 449 133	-15,1%
Dues from banks	22 163 000	18 915 000	22 399 000	18 813 300	-3 349 700	-15,1%
Central Bank of Russia	22 163 000	18 915 000	22 399 000	18 813 300	-3 349 700	-15,1%
Loans past-due	-	-	-	-	-	-
residents	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	-	-	-
Securities	5 177	3 650	2 912	117 008	111 831	2 160,2%
Bonds	5 177	3 650	2 912	117 008	111 831	2 160,2%
Federal Loan Bonds (OFZs), OBRs	5 177	3 206	1 868	116 868	111 691	2 157,4%
Valuation allowance	-	444	1 044	140	140	-
Loans to corporate clients	593 027	622 690	760 371	380 087	-212 940	-35,9%
residents	509 095	534 901	657 984	284 055	-225 040	-44,2%
up to 30 days	122 388	161 960	128 535	55 362	-67 026	-54,8%
up to 180 days	110 239	82 507	201 006	137 374	27 135	24,6%
up to 1 year	101 951	203 097	125 012	58 764	-43 187	-42,4%
up to 3 years	174 517	87 337	134 631	32 555	-141 962	-81,3%
more than 3 years	-	-	68 800	-	-	-
Past-due	2 099	2 151	2 524	2 098	-1	-0,0%
residents	1 755	1 736	2 001	1 530	-225	-12,8%
state-owned enterprises	344	415	523	568	224	65,1%
Provision for impairment of corporate loans	81 833	85 638	99 863	93 934	12 101	14,8%
residents	81 830	85 636	99 860	93 929	12 099	14,8%
state-owned enterprises	3	2	3	5	2	66,7%
Loans to private entrepreneurs	23 280	8 441	5 987	10 457	-12 823	-55,1%
up to 180 days	8 260	-	-	-	-8 260	-100,0%
up to 1 year	1 572	-	137	-	-1 572	-100,0%
up to 3 years	-	-	1 503	378	378	-
more than 3 years	-	-	-	-	-	-
Past-due	473	1 219	578	4 203	3 730	788,6%
Provision for impairment of loans to private entrepreneurs	12 975	7 222	3 769	5 876	-7 099	-54,7%
Loans to individuals	19 195	21 358	32 187	33 694	14 499	75,5%
Standard	13 289	11 609	24 938	11 366	-1 923	-14,5%
up to 30 days	140	305	218	177	37	26,4%
up to 1 year	-	200	170	510	510	-
up to 3 years	3 050	2 150	10 830	4 060	1 010	33,1%
more than 3 years	10 099	8 954	13 720	6 619	-3 480	-34,5%
Past-due	1 044	995	671	686	-358	-34,3%
Past-due	1 044	995	671	686	-358	-34,3%
Provision for impairment of loans to individuals	4 862	8 754	6 578	21 642	16 780	345,1%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	909 763	790 483	626 228	565 176	-344 587	-37,9%
Mandatory reserves with Central Bank	-	157	-	-	-	-
Premises and equipment	428 280	361 159	240 254	29 024	-399 256	-93,2%
Purchase cost	425 762	360 040	235 198	28 679	-397 083	-93,3%
Depreciation	2 518	1 119	5 056	345	-2 173	-86,3%
Accrued interest not yet received	45 394	43 688	49 100	53 382	7 988	17,6%
Other assets	378 663	340 646	296 665	440 074	61 411	16,2%
Provision for impairment of other assets	57 426	43 405	40 209	42 696	-14 730	-25,7%
Deferred tax asset	-	1 428	-	-	-	-
LIABILITIES	17 668 275	16 606 394	18 331 176	12 836 799	-4 831 476	-27,3%
Dues to banks	60 649	73 426	94 713	129 479	68 830	113,5%
Other dues to banks	60 649	73 426	94 713	129 479	68 830	113,5%
On demand	14 320 700	13 790 297	15 666 939	10 061 029	-4 259 671	-29,7%
Corporate clients	13 229 670	12 583 581	14 829 384	9 329 851	-3 899 819	-29,5%
State-owned enterprises	38 340	33 598	140 694	467 145	428 805	1 118,4%
Residents	13 113 104	12 463 732	14 605 626	8 818 793	-4 294 311	-32,7%
Non-residents	78 226	86 251	83 064	43 913	-34 313	-43,9%
Individuals	826 495	521 642	507 788	428 815	-397 680	-48,1%
Residents	825 979	521 484	507 446	428 525	-397 454	-48,1%
Non-residents	516	158	342	290	-226	-43,8%
Brokerage accounts	264 535	685 074	329 767	302 363	37 828	14,3%
Residents	264 535	685 074	329 767	302 363	37 828	14,3%
Term	1 589 842	819 499	537 325	1 192 340	-397 502	-25,0%
Corporate clients	1 218 900	659 175	359 950	1 059 970	-158 930	-13,0%
Residents	1 216 900	659 175	359 950	804 770	-412 130	-33,9%
up to 30 days	492 000	184 900	107 000	329 170	-162 830	-33,1%
up to 180 days	691 200	382 700	187 600	428 400	-262 800	-38,0%
up to 1 year	33 700	89 575	50 350	26 600	-7 100	-21,1%
up to 3 years	-	2 000	13 000	20 600	20 600	-
more than 3 years	-	-	2 000	-	-	-
State-owned enterprises	2 000	-	-	255 200	253 200	12 660,0%
up to 30 days	2 000	-	-	255 200	253 200	12 660,0%
Individuals	370 942	160 324	177 375	132 370	-238 572	-64,3%
residents	370 904	160 223	177 340	132 269	-238 635	-64,3%
up to 180 days	52 133	43 539	31 637	19 598	-32 535	-62,4%
up to 1 year	192 867	17 838	34 128	29 438	-163 429	-84,7%
up to 3 years	51 822	48 918	32 782	38 756	-13 066	-25,2%
more than 3 years	74 082	49 928	78 793	44 477	-29 605	-40,0%
non-residents	38	101	35	101	63	165,8%
up to 1 year	-	80	-	79	79	-
up to 3 years	38	21	35	22	-16	-42,1%
more than 3 years	-	-	-	-	-	-
Other liabilities	1 697 084	1 923 172	2 032 199	1 453 951	-243 133	-14,3%
Other liabilities	1 687 474	1 916 291	1 978 097	1 442 807	-244 667	-14,5%
Accrued interest not yet paid	9 610	6 796	54 102	11 144	1 534	16,0%
Deferred tax liabilities	-	85	-	-	-	-
EQUITY	211 173	211 626	225 248	4 847 071	4 635 898	2 195,3%
Capital	-	-	13 025	-	-	-
Profit from previous years	-	-	-	2 304 634	2 304 634	-
Retained earnings from previous years	-	-	-	2 304 634	2 304 634	-
Current year profit	211 173	211 626	212 223	2 542 437	2 331 264	1 104,0%
Current year retained earnings	211 173	211 626	212 223	2 542 437	2 331 264	1 104,0%
OFF-BALANCE SHEET	2 208 629	1 288 517	1 104 878	1 223 891	-984 738	-44,6%
Contingent liabilities	609 972	575 493	599 720	340 146	-269 826	-44,2%
Guarantees issued	-	9 440	-	1 980	1 980	-
Unused credit limits opened	609 972	566 053	599 720	331 824	-278 148	-45,6%
Unused guarantee limits	-	-	-	6 342	6 342	-
Collateral on loans	1 526 458	668 411	431 214	476 761	-1 049 697	-68,8%
goods	1 526 458	668 411	431 214	476 761	-1 049 697	-68,8%
Unprocessed payments	72 193	44 545	73 897	405 464	333 271	461,6%
Due to lack of funds on client accounts	72 193	44 545	73 897	405 464	333 271	461,6%
Other off-balance sheet accounts	6	68	47	1 520	1 514	25 233,3%
Written-off interest	-	2	-	-	-	-
Written-off loans	6	66	47	1 520	1 514	25 233,3%
Credit card balances	140	305	218	177	37	26,4%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-