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

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	SAROVBIZNESBANK	add to comparison
Central Bank of Russia registration number: 2048 CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	12 993 440	35 976 159	12 721 612	2,8	2,8	-271 828	-2,1%
High liquid assets	415 315	19 188 389	300 595	46,2	1,5	-114 720	-27,6%
Cash and equivalents	166 744	15 952 452	187 191	95,7	1,3	20 447	12,3%
Cash	77 932	139 797	89 094	1,8	0,0	11 162	14,3%
in cash and en route	40 113	136 302	49 680	3,4	0,0	9 567	23,9%
in ATMs	-	-	-	-	-	-	-
precious metals	37 819	3 495	39 414	0,1	0,0	1 595	4,2%
Nostro account with Central Bank	88 812	15 812 655	98 097	178,0	1,2	9 285	10,5%
Nostro accounts	202 594	2 987 312	99 416	14,7	0,2	-103 178	-50,9%
Non-residents	23 000	-	23 000	0,0	0,0	-	0,0%
Residents	179 594	2 987 312	76 416	16,6	0,2	-103 178	-57,5%
Money in transfer	46 205	269 049	14 221	5,8	0,0	-31 984	-69,2%
Provision for impairment of high-liquid assets	-228	23	-233	0,1	0,0	-5	2,2%
Interest-earning assets	6 713 950	16 568 302	6 591 807	2,5	1,3	-122 143	-1,8%
Dues from banks	4 934 230	15 848 156	5 002 776	3,2	1,2	68 546	1,4%
Residents	4 934 293	15 848 134	5 002 817	3,2	1,2	68 524	1,4%
up to 30 days	1 934 293	14 348 134	2 002 817	7,4	1,1	68 524	3,5%
up to 180 days	1 500 000	1 500 000	1 500 000	1,0	0,1	-	0,0%
more than 180 days	1 500 000	-	1 500 000	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-63	22	-41	0,3	0,0	22	-34,9%
Securities	985 618	40 679	950 887	0,0	0,0	-34 731	-3,5%
Bonds	985 618	40 679	950 887	0,0	0,0	-34 731	-3,5%
Federal Loan Bonds (OFZs), OBRs	1 063 910	10 108	1 059 750	0,0	0,0	-4 160	-0,4%
Valuation allowance	-78 292	30 571	-108 863	0,4	0,0	-30 571	39,0%
Loans to corporate clients	712 916	709 795	567 279	1,0	0,1	-145 637	-20,4%
residents	533 963	530 314	436 631	1,0	0,0	-97 332	-18,2%
up to 180 days	110 282	186 657	52 907	1,7	0,0	-57 375	-52,0%
up to 1 year	45 988	63 607	27 770	1,4	0,0	-18 218	-39,6%
up to 3 years	70 856	73 559	67 165	1,0	0,0	-3 691	-5,2%
more than 3 years	306 837	206 491	288 789	0,7	0,0	-18 048	-5,9%
state-owned enterprises	121 352	121 541	121 164	1,0	0,0	-188	-0,2%
up to 1 year	17 315	17 315	17 315	1,0	0,0	-	0,0%
up to 3 years	101 400	101 400	101 400	1,0	0,0	-	0,0%
more than 3 years	2 637	2 826	2 449	1,1	0,0	-188	-7,1%
Past-due	255 051	1 555	255 605	0,0	0,0	554	0,2%
residents	254 986	1 554	255 539	0,0	0,0	553	0,2%
state-owned enterprises	65	1	66	0,0	0,0	1	1,5%
Provision for impairment of corporate loans	-197 450	56 939	-246 121	0,3	0,0	-48 671	24,6%
residents	-197 221	56 844	-245 879	0,3	0,0	-48 658	24,7%
state-owned enterprises	-229	95	-242	0,4	0,0	-13	5,7%
Loans to private entrepreneurs	77 639	37 364	67 864	0,5	0,0	-9 775	-12,6%
up to 180 days	-	-	-	-	-	-	-
up to 3 years	4 516	4 921	4 111	1,1	0,0	-405	-9,0%
more than 3 years	63 282	25 420	60 412	0,4	0,0	-2 870	-4,5%
Past-due	33 976	201	34 028	0,0	0,0	52	0,2%
Provision for impairment of loans to private entrepreneurs	-24 135	6 874	-30 687	0,3	0,0	-6 552	27,1%
Loans to individuals	3 547	854	3 001	0,2	0,0	-546	-15,4%
Standard	4 353	360	3 997	0,1	0,0	-356	-8,2%
up to 30 days	839	238	605	0,3	0,0	-234	-27,9%
more than 3 years	3 514	122	3 392	0,0	0,0	-122	-3,5%
Past-due	726	167	851	0,2	0,0	125	17,2%
Past-due	726	167	851	0,2	0,0	125	17,2%
Provision for impairment of loans to individuals	-1 532	452	-1 847	0,3	0,0	-315	20,6%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	5 864 175	219 468	5 829 210	0,0	0,0	-34 965	-0,6%
Mandatory reserves with Central Bank	30 467	3 275	27 192	0,1	0,0	-3 275	-10,7%
Premises and equipment	1 187 621	16 115	1 181 949	0,0	0,0	-5 672	-0,5%
Purchase cost	1 364 494	13 441	1 358 038	0,0	0,0	-6 456	-0,5%
Depreciation	-176 873	3 458	-176 089	0,0	0,0	784	-0,4%
Accrued interest not yet received	28 565	92 296	85 656	3,2	0,0	57 091	199,9%
Other assets	4 735 702	147 704	4 634 085	0,0	0,0	-101 617	-2,1%
Provision for impairment of other assets	-118 180	35 677	-99 672	0,3	0,0	18 508	-15,7%
LIABILITIES	3 825 952	1 328 946	3 609 871	0,3	0,1	-216 081	-5,6%
Dues to banks	-	19 522	-	-	-	-	-
Other dues to banks	-	19 522	-	-	-	-	-
On demand	1 802 866	628 108	1 860 514	0,3	0,0	57 648	3,2%
Corporate clients	405 194	377 217	484 257	0,9	0,0	79 063	19,5%
State-owned enterprises	15	47	34	3,1	0,0	19	126,7%
Residents	405 179	377 170	484 223	0,9	0,0	79 044	19,5%
Individuals	1 397 672	272 306	1 376 257	0,2	0,0	-21 415	-1,5%
Residents	1 387 925	271 452	1 367 115	0,2	0,0	-20 810	-1,5%
Non-residents	9 747	854	9 142	0,1	0,0	-605	-6,2%
Term	1 148 992	236 640	933 279	0,2	0,0	-215 713	-18,8%
Individuals	1 148 992	236 640	933 279	0,2	0,0	-215 713	-18,8%
residents	1 148 770	236 640	933 057	0,2	0,0	-215 713	-18,8%
up to 3 years	1 002 894	176 978	840 567	0,2	0,0	-162 327	-16,2%
more than 3 years	145 876	59 662	92 490	0,4	0,0	-53 386	-36,6%
non-residents	222	-	222	0,0	0,0	-	0,0%
up to 3 years	222	-	222	0,0	0,0	-	0,0%
Securities issued	10 847	34	10 881	0,0	0,0	34	0,3%
Promissory notes	10 847	34	10 881	0,0	0,0	34	0,3%
more than 3 years	10 847	34	10 881	0,0	0,0	34	0,3%
Other liabilities	863 247	502 324	805 197	0,6	0,0	-58 050	-6,7%
Other liabilities	546 061	440 563	567 771	0,8	0,0	21 710	4,0%
Accrued interest not yet paid	145 619	22 890	126 389	0,2	0,0	-19 230	-13,2%
Deferred tax liabilities	171 567	60 581	111 037	0,4	0,0	-60 530	-35,3%
EQUITY	9 167 488	13 939 262	9 111 741	1,5	1,1	-55 747	-0,6%
Capital	3 330 274	32 101	3 302 976	0,0	0,0	-27 298	-0,8%
Profit from previous years	5 345 787	10 553 005	5 829 009	2,0	0,8	483 222	9,0%
Retained earnings from previous years	5 345 787	10 553 005	5 829 009	2,0	0,8	483 222	9,0%
Current year profit	491 427	3 837 378	-20 244	7,8	0,3	-511 671	-104,1%
Current year retained earnings	491 427	3 837 378	-20 244	7,8	0,3	-511 671	-104,1%
OFF-BALANCE SHEET	-910 508	4 603 501	-21 275	5,1	0,4	889 233	-97,7%
Contingent liabilities	-2 997 787	1 156 386	-1 936 603	0,4	0,1	1 061 184	-35,4%
Guarantees issued	-2 606 925	1 034 219	-1 572 706	0,4	0,1	1 034 219	-39,7%
Unused credit limits opened	-390 862	122 167	-363 897	0,3	0,0	26 965	-6,9%
Unused guarantee limits	-	-	-	-	-	-	-
Collateral on loans	1 822 508	179 000	1 645 008	0,1	0,0	-177 500	-9,7%
goods	1 822 508	179 000	1 645 008	0,1	0,0	-177 500	-9,7%
Unprocessed payments	315 517	3 274 712	308 920	10,4	0,3	-6 597	-2,1%
Due to lack of funds on client accounts	315 517	3 274 712	308 920	10,4	0,3	-6 597	-2,1%
Other off-balance sheet accounts	-50 746	12 146	-38 600	0,2	0,0	12 146	-23,9%
Written-off interest	-10 316	1 373	-8 943	0,1	0,0	1 373	-13,3%
Written-off loans	-40 430	10 773	-29 657	0,3	0,0	10 773	-26,6%
Credit card balances	839	238	605	0,3	0,0	-234	-27,9%
Past due ratio, total	2 848	-	3 168	0,0	0,0	320	11,2%
Past due ratio, individuals	1 429	-	1 755	0,0	0,0	326	22,8%
Past due ratio, corporates	2 802	-	3 142	0,0	0,0	340	12,1%
Past due ratio, entrepreneurs	3 338	-	3 453	0,0	0,0	115	3,4%
Past due ratio, corporates + entrepreneurs	2 856	-	3 176	0,0	0,0	320	11,2%
Risk-weighted assets	11 466 821	-	10 257 382	0,0	0,0	-1 209 439	-10,5%