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

Services

Support our website!

Headlines

Our rankings

Our subscriptions

Our statistics

Our links

	POCHTOBANK	add to comparison
Central Bank of Russia registration number: 1788 retail lending, 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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 166 248	7 557 762	1 191 911	6,5	6,3	25 663	2,2%
High liquid assets	122 153	4 627 598	123 720	37,9	3,9	1 567	1,3%
Cash and equivalents	88 210	4 259 927	92 022	48,3	3,6	3 812	4,3%
Cash	69 888	941 110	79 508	13,5	0,8	9 620	13,8%
in cash and en route	69 888	941 110	79 508	13,5	0,8	9 620	13,8%
Nostro account with Central Bank	18 322	3 324 625	12 514	181,5	2,8	-5 808	-31,7%
Nostro accounts	29 601	334 364	28 162	11,3	0,3	-1 439	-4,9%
Residents	29 601	334 364	28 162	11,3	0,3	-1 439	-4,9%
Money in transfer	5 393	35 552	4 587	6,6	0,0	-806	-14,9%
Provision for impairment of high-liquid assets	-1 051	-	-1 051	0,0	0,0	-	0,0%
Interest-earning assets	932 445	2 912 041	956 524	3,1	2,4	24 079	2,6%
Dues from banks	480 041	2 840 000	490 041	5,9	2,4	10 000	2,1%
Central Bank of Russia	300 000	1 100 000	370 000	3,7	0,9	70 000	23,3%
Residents	180 041	1 800 000	120 041	10,0	1,5	-60 000	-33,3%
up to 30 days	180 041	1 800 000	120 041	10,0	1,5	-60 000	-33,3%
Loans to corporate clients	267 711	45 607	279 486	0,2	0,0	11 775	4,4%
residents	268 121	44 742	279 951	0,2	0,0	11 830	4,4%
up to 30 days	9 266	31 146	16 835	3,4	0,0	7 569	81,7%
up to 3 years	152 122	7 964	149 129	0,1	0,0	-2 993	-2,0%
more than 3 years	106 733	8 625	113 987	0,1	0,0	7 254	6,8%
Past-due	1 176	-	1 176	0,0	0,0	-	0,0%
residents	1 176	-	1 176	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-1 586	906	-1 641	0,6	0,0	-55	3,5%
residents	-1 586	906	-1 641	0,6	0,0	-55	3,5%
Loans to private entrepreneurs	5 052	6 173	5 918	1,2	0,0	866	17,1%
up to 30 days	1 463	6 150	2 580	4,2	0,0	1 117	76,3%
up to 1 year	416	83	333	0,2	0,0	-83	-20,0%
up to 3 years	2 700	100	2 600	0,0	0,0	-100	-3,7%
more than 3 years	483	69	414	0,1	0,0	-69	-14,3%
Provision for impairment of loans to private entrepreneurs	-10	23	-9	2,3	0,0	1	-10,0%
Loans to individuals	179 641	20 261	181 079	0,1	0,0	1 438	0,8%
Standard	183 587	4 400	185 038	0,0	0,0	1 451	0,8%
up to 3 years	8 490	537	7 953	0,1	0,0	-537	-6,3%
more than 3 years	175 097	4 400	177 085	0,0	0,0	1 988	1,1%
Past-due	2 050	40	2 010	0,0	0,0	-40	-2,0%
Past-due	2 050	40	2 010	0,0	0,0	-40	-2,0%
Provision for impairment of loans to individuals	-5 996	15 861	-5 969	2,6	0,0	27	-0,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	111 650	18 123	111 667	0,2	0,0	17	0,0%
Mandatory reserves with Central Bank	1 264	22	1 286	0,0	0,0	22	1,7%
Premises and equipment	71 921	1 917	70 004	0,0	0,0	-1 917	-2,7%
Purchase cost	152 634	521	152 113	0,0	0,0	-521	-0,3%
Depreciation	-80 713	1 396	-82 109	0,0	0,0	-1 396	1,7%
Accrued interest not yet received	1 911	7 729	2 220	4,0	0,0	309	16,2%
Other assets	39 506	9 387	40 941	0,2	0,0	1 435	3,6%
Provision for impairment of other assets	-2 952	985	-2 784	0,3	0,0	168	-5,7%
LIABILITIES	742 252	1 116 084	767 392	1,5	0,9	25 140	3,4%
Dues to banks	-	-	-	-	-	-	-
Other dues to banks	-	-	-	-	-	-	-
On demand	222 358	998 203	264 060	4,5	0,8	41 702	18,8%
Corporate clients	176 597	951 483	220 684	5,4	0,8	44 087	25,0%
State-owned enterprises	80	270	345	3,4	0,0	265	331,3%
Residents	176 517	947 455	220 339	5,4	0,8	43 822	24,8%
Non-residents	-	3 758	-	-	-	-	-
Individuals	45 761	49 105	43 376	1,1	0,0	-2 385	-5,2%
Residents	45 761	49 105	43 376	1,1	0,0	-2 385	-5,2%
Term	473 712	97 558	456 433	0,2	0,1	-17 279	-3,6%
Corporate clients	5 750	5 600	750	1,0	0,0	-5 000	-87,0%
Residents	5 750	5 600	750	1,0	0,0	-5 000	-87,0%
up to 30 days	5 600	5 600	600	1,0	0,0	-5 000	-89,3%
up to 1 year	150	-	150	0,0	0,0	-	0,0%
Individuals	467 962	91 958	455 683	0,2	0,1	-12 279	-2,6%
residents	467 962	91 958	455 683	0,2	0,1	-12 279	-2,6%
up to 180 days	30 027	30 062	20 027	1,0	0,0	-10 000	-33,3%
up to 1 year	411	-	411	0,0	0,0	-	0,0%
up to 3 years	431 407	60 821	430 181	0,1	0,1	-1 226	-0,3%
more than 3 years	6 117	1 075	5 064	0,2	0,0	-1 053	-17,2%
Other liabilities	46 182	37 602	46 899	0,8	0,0	717	1,6%
Other liabilities	34 443	35 647	34 739	1,0	0,0	296	0,9%
Accrued interest not yet paid	2 107	1 955	2 528	0,9	0,0	421	20,0%
Deferred tax liabilities	9 632	-	9 632	0,0	0,0	-	0,0%
EQUITY	423 996	887 501	424 519	2,1	0,7	523	0,1%
Capital	250 499	-	250 499	0,0	0,0	-	0,0%
Profit from previous years	154 605	436 445	171 219	2,8	0,4	16 614	10,7%
Retained earnings from previous years	154 605	436 445	171 219	2,8	0,4	16 614	10,7%
Current year profit	18 892	467 147	2 801	24,7	0,4	-16 091	-85,2%
Current year retained earnings	18 892	467 147	2 801	24,7	0,4	-16 091	-85,2%
OFF-BALANCE SHEET	914 541	52 844	942 475	0,1	0,0	27 934	3,1%
Contingent liabilities	-104 320	44 268	-90 662	0,4	0,0	13 658	-13,1%
Unused credit limits opened	-104 320	44 268	-90 662	0,4	0,0	13 658	-13,1%
Collateral on loans	955 271	19 526	968 869	0,0	0,0	13 598	1,4%
goods	955 271	19 526	968 869	0,0	0,0	13 598	1,4%
Unprocessed payments	63 975	2 648	64 653	0,0	0,0	678	1,1%
Due to lack of funds on client accounts	63 975	2 648	64 653	0,0	0,0	678	1,1%
Other off-balance sheet accounts	-385	-	-385	0,0	0,0	-	0,0%
Written-off interest	-34	-	-34	0,0	0,0	-	0,0%
Written-off loans	-351	-	-351	0,0	0,0	-	0,0%
Past due ratio, total	70	-	67	0,0	0,0	-3	-4,3%
Past due ratio, individuals	110	-	107	0,0	0,0	-3	-2,7%
Past due ratio, corporates	44	-	42	0,0	0,0	-2	-4,5%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	43	-	41	0,0	0,0	-2	-4,7%
Risk-weighted assets	943 689	-	971 680	0,0	0,0	27 991	3,0%