Kuap. Ru - Balance sheet with turnover of НАЦИОНАЛЬНЫЙ БАНК СБЕРЕЖЕНИЙ, analysis of turnover of bank's accounts

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	NATSIONALNIY BANK SBEREZHENIY	add to comparison
Central Bank of Russia registration number: 1949 retail lending

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	2 152 389	24 314 240	1 836 878	11,3	13,2	-315 511	-14,7%
High liquid assets	39 571	12 291 403	43 475	310,6	6,7	3 904	9,9%
Cash and equivalents	35 972	12 289 087	39 667	341,6	6,7	3 695	10,3%
Cash	26 638	73 250	37 550	2,7	0,0	10 912	41,0%
in cash and en route	26 638	73 250	37 550	2,7	0,0	10 912	41,0%
Nostro account with Central Bank	9 334	12 223 054	2 117	1 309,5	6,7	-7 217	-77,3%
Nostro accounts	3 617	1 203	3 827	0,3	0,0	210	5,8%
Residents	3 617	1 203	3 827	0,3	0,0	210	5,8%
Money in transfer	-	1 108	-	-	-	-	-
Provision for impairment of high-liquid assets	-18	6	-19	0,3	0,0	-1	5,6%
Interest-earning assets	2 051 258	11 937 417	1 732 696	5,8	6,5	-318 562	-15,5%
Dues from banks	1 653 000	11 909 000	1 150 000	7,2	6,5	-503 000	-30,4%
Central Bank of Russia	1 653 000	11 909 000	1 150 000	7,2	6,5	-503 000	-30,4%
Loans to corporate clients	163 286	175 305	331 786	1,1	0,1	168 500	103,2%
residents	175 848	170 000	344 247	1,0	0,1	168 399	95,8%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	9 000	170 000	179 000	18,9	0,1	170 000	1 888,9%
up to 3 years	92 080	630	91 450	0,0	0,0	-630	-0,7%
more than 3 years	74 768	971	73 797	0,0	0,0	-971	-1,3%
Past-due	1	-	1	0,0	0,0	-	0,0%
residents	1	-	1	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-12 563	5 305	-12 462	0,4	0,0	101	-0,8%
residents	-12 563	5 305	-12 462	0,4	0,0	101	-0,8%
Loans to private entrepreneurs	21 419	4 985	20 753	0,2	0,0	-666	-3,1%
more than 3 years	21 563	670	20 893	0,0	0,0	-670	-3,1%
Provision for impairment of loans to private entrepreneurs	-144	4 319	-140	30,0	0,0	4	-2,8%
Loans to individuals	213 553	33 231	230 157	0,2	0,0	16 604	7,8%
Standard	217 345	30 000	233 669	0,1	0,0	16 324	7,5%
up to 1 year	4 218	398	3 820	0,1	0,0	-398	-9,4%
up to 3 years	119 318	30 000	141 699	0,3	0,0	22 381	18,8%
more than 3 years	93 809	5 659	88 150	0,1	0,0	-5 659	-6,0%
Past-due	18 607	137	18 715	0,0	0,0	108	0,6%
Past-due	18 607	137	18 715	0,0	0,0	108	0,6%
Provision for impairment of loans to individuals	-22 399	3 094	-22 227	0,1	0,0	172	-0,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	61 560	89 324	60 707	1,5	0,0	-853	-1,4%
Mandatory reserves with Central Bank	9 176	1 642	10 818	0,2	0,0	1 642	17,9%
Premises and equipment	27 626	48 415	103 666	1,8	0,0	76 040	275,2%
Purchase cost	60 434	43 678	136 841	0,7	0,0	76 407	126,4%
Depreciation	-32 808	4 738	-33 175	0,1	0,0	-367	1,1%
Accrued interest not yet received	2 311	8 322	257	3,6	0,0	-2 054	-88,9%
Other assets	23 477	32 322	-53 043	1,4	0,0	-76 520	-325,9%
Provision for impairment of other assets	-2 837	350	-2 798	0,1	0,0	39	-1,4%
Deferred tax asset	1 807	-	1 807	0,0	0,0	-	0,0%
LIABILITIES	1 890 809	3 624 554	1 565 956	1,9	2,0	-324 853	-17,2%
On demand	403 601	2 700 074	702 039	6,7	1,5	298 438	73,9%
Corporate clients	389 187	2 579 180	666 386	6,6	1,4	277 199	71,2%
State-owned enterprises	79 686	8 537	80 022	0,1	0,0	336	0,4%
Residents	307 881	2 569 759	584 195	8,3	1,4	276 314	89,7%
Non-residents	1 620	884	2 169	0,5	0,0	549	33,9%
Individuals	14 414	120 894	35 653	8,4	0,1	21 239	147,3%
Residents	14 414	120 894	35 653	8,4	0,1	21 239	147,3%
Term	1 417 990	1 211 303	795 620	0,9	0,7	-622 370	-43,9%
Corporate clients	1 103 560	1 173 843	483 617	1,1	0,6	-619 943	-56,2%
Residents	1 103 560	1 173 843	483 617	1,1	0,6	-619 943	-56,2%
up to 30 days	285 000	638 900	-	2,2	0,3	-285 000	-100,0%
up to 180 days	600 000	500 000	100 000	0,8	0,3	-500 000	-83,3%
up to 1 year	1 300	-	1 300	0,0	0,0	-	0,0%
up to 3 years	31 943	200 000	200 000	6,3	0,1	168 057	526,1%
more than 3 years	185 317	3 000	182 317	0,0	0,0	-3 000	-1,6%
Individuals	314 430	37 460	312 003	0,1	0,0	-2 427	-0,8%
residents	314 430	37 460	312 003	0,1	0,0	-2 427	-0,8%
up to 180 days	224	1	225	0,0	0,0	1	0,4%
up to 1 year	3 283	930	2 617	0,3	0,0	-666	-20,3%
up to 3 years	310 923	36 530	309 161	0,1	0,0	-1 762	-0,6%
Securities issued	60 000	-	60 000	0,0	0,0	-	0,0%
Promissory notes	60 000	-	60 000	0,0	0,0	-	0,0%
on demand	60 000	-	60 000	0,0	0,0	-	0,0%
Other liabilities	9 218	11 615	8 297	1,3	0,0	-921	-10,0%
Other liabilities	5 384	7 749	5 239	1,4	0,0	-145	-2,7%
Accrued interest not yet paid	3 834	3 866	3 058	1,0	0,0	-776	-20,2%
EQUITY	261 580	656 748	270 922	2,5	0,4	9 342	3,6%
Capital	116 118	-	116 118	0,0	0,0	-	0,0%
Profit from previous years	105 366	332 470	145 014	3,2	0,2	39 648	37,6%
Retained earnings from previous years	105 366	332 470	145 014	3,2	0,2	39 648	37,6%
Current year profit	40 096	354 584	9 790	8,8	0,2	-30 306	-75,6%
Current year retained earnings	40 096	354 584	9 790	8,8	0,2	-30 306	-75,6%
OFF-BALANCE SHEET	929 784	364 763	1 266 594	0,4	0,2	336 810	36,2%
Contingent liabilities	-1 470	1	-1 469	0,0	0,0	1	-0,1%
Guarantees issued	-1 270	1	-1 269	0,0	0,0	1	-0,1%
Unused credit limits opened	-200	-	-200	0,0	0,0	-	0,0%
Collateral on loans	859 120	347 853	1 141 798	0,4	0,2	282 678	32,9%
goods	744 166	300 353	979 344	0,4	0,2	235 178	31,6%
securities	114 954	47 500	162 454	0,4	0,0	47 500	41,3%
Unprocessed payments	74 605	71 041	128 736	1,0	0,0	54 131	72,6%
Due to lack of funds on client accounts	74 605	71 041	128 736	1,0	0,0	54 131	72,6%
Other off-balance sheet accounts	-2 471	-	-2 471	0,0	0,0	-	0,0%
Written-off interest	-684	-	-684	0,0	0,0	-	0,0%
Written-off loans	-1 787	-	-1 787	0,0	0,0	-	0,0%
Past due ratio, total	429	-	303	0,0	0,0	-126	-29,4%
Past due ratio, individuals	789	-	742	0,0	0,0	-47	-6,0%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-
Risk-weighted assets	575 228	-	555 533	0,0	0,0	-19 695	-3,4%