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

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	SPIRITBANK	add to comparison
Central Bank of Russia registration number: 2053

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	2 935 345	7 410 316	5 331 106	4 810 993	1 875 648	63,9%
High liquid assets	1 888 689	3 989 383	2 884 209	2 496 110	607 421	32,2%
Cash and equivalents	450 453	351 457	333 184	169 898	-280 555	-62,3%
Cash	120 313	132 474	118 491	46 764	-73 549	-61,1%
in cash and en route	120 313	132 474	118 491	46 764	-73 549	-61,1%
Nostro account with Central Bank	330 140	218 983	214 693	123 134	-207 006	-62,7%
Nostro accounts	1 223 158	3 510 682	2 470 389	2 272 403	1 049 245	85,8%
Residents	1 223 158	3 510 682	2 470 389	2 272 403	1 049 245	85,8%
Money in transfer	215 078	127 244	80 615	53 809	-161 269	-75,0%
Provision for impairment of high-liquid assets	-	-	21	-	-	-
Interest-earning assets	952 641	3 394 915	2 418 076	2 237 410	1 284 769	134,9%
Dues from banks	940 000	3 390 000	2 415 000	2 235 000	1 295 000	137,8%
Residents	940 000	3 390 000	2 415 000	2 235 000	1 295 000	137,8%
up to 30 days	940 000	2 590 000	2 415 000	2 235 000	1 295 000	137,8%
up to 180 days	-	800 000	-	-	-	-
Loans to corporate clients	656	733	1 055	386	-270	-41,2%
residents	169	396	190	-	-169	-100,0%
up to 180 days	169	100	190	-	-169	-100,0%
up to 1 year	-	296	-	-	-	-
up to 3 years	-	-	-	-	-	-
Past-due	-	-	-	65	65	-
residents	-	-	-	65	65	-
Provision for impairment of corporate loans	487	337	865	321	-166	-34,1%
residents	487	337	865	321	-166	-34,1%
Loans to private entrepreneurs	5	5	5	19	14	280,0%
up to 3 years	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	5	5	5	19	14	280,0%
Loans to individuals	11 980	4 177	2 016	2 005	-9 975	-83,3%
Standard	421	540	465	374	-47	-11,2%
up to 30 days	421	540	465	346	-75	-17,8%
up to 3 years	-	-	-	28	28	-
more than 3 years	-	-	-	-	-	-
Past-due	453	329	495	575	122	26,9%
Past-due	453	329	495	575	122	26,9%
Provision for impairment of loans to individuals	11 106	3 308	1 056	1 056	-10 050	-90,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	94 015	26 018	28 821	77 473	-16 542	-17,6%
Mandatory reserves with Central Bank	-	112	-	-	-	-
Premises and equipment	8 782	17 452	16 543	70 708	61 926	705,1%
Purchase cost	3 262	17 452	16 543	70 254	66 992	2 053,7%
Depreciation	5 520	-	-	454	-5 066	-91,8%
Accrued interest not yet received	5 379	4 515	4 464	4 068	-1 311	-24,4%
Other assets	71 840	2 686	7 094	2 072	-69 768	-97,1%
Provision for impairment of other assets	7 630	1 253	720	503	-7 127	-93,4%
Deferred tax asset	384	-	-	122	-262	-68,2%
LIABILITIES	624 500	390 530	344 022	245 811	-378 689	-60,6%
Dues to banks	-	6 000	-	-	-	-
On demand	-	6 000	-	-	-	-
Residents	-	6 000	-	-	-	-
On demand	517 855	306 252	266 031	170 198	-347 657	-67,1%
Corporate clients	476 785	262 413	227 737	130 806	-345 979	-72,6%
Residents	476 785	262 413	227 737	130 806	-345 979	-72,6%
Individuals	41 070	43 839	38 294	39 392	-1 678	-4,1%
Residents	41 070	43 839	38 294	39 392	-1 678	-4,1%
Term	23 367	35 263	26 129	34 657	11 290	48,3%
Corporate clients	2 000	4 600	962	454	-1 546	-77,3%
Residents	2 000	4 600	962	454	-1 546	-77,3%
up to 180 days	2 000	4 600	-	-	-2 000	-100,0%
up to 1 year	-	-	962	-	-	-
up to 3 years	-	-	-	454	454	-
Individuals	21 367	30 663	25 167	34 203	12 836	60,1%
residents	21 367	30 663	25 167	34 203	12 836	60,1%
up to 180 days	-	100	-	-	-	-
up to 1 year	1 281	215	510	1 070	-211	-16,5%
up to 3 years	20 086	30 348	24 655	33 133	13 047	65,0%
more than 3 years	-	-	2	-	-	-
Securities issued	-	-	-	-	-	-
Depositary certificates	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-
Other liabilities	83 278	43 015	51 862	40 956	-42 322	-50,8%
Other liabilities	81 107	41 497	50 810	38 179	-42 928	-52,9%
Accrued interest not yet paid	1 004	1 518	1 052	2 742	1 738	173,1%
Deferred tax liabilities	1 167	-	-	35	-1 132	-97,0%
EQUITY	1 998 818	11 931	12 246	13 266	-1 985 552	-99,3%
Capital	6 317	-	-	-	-6 317	-100,0%
Profit from previous years	1 445 029	-	-	-	-1 445 029	-100,0%
Retained earnings from previous years	1 445 029	-	-	-	-1 445 029	-100,0%
Current year profit	547 472	11 931	12 246	13 266	-534 206	-97,6%
Current year retained earnings	547 472	11 931	12 246	13 266	-534 206	-97,6%
OFF-BALANCE SHEET	14 533	16 099	86 565	13 297	-1 236	-8,5%
Contingent liabilities	670	2 067	8 971	911	241	36,0%
Unused credit limits opened	670	2 067	8 971	911	241	36,0%
Collateral on loans	11 692	7 159	34 384	2 119	-9 573	-81,9%
goods	11 692	7 159	34 384	2 119	-9 573	-81,9%
Unprocessed payments	2 120	6 873	42 915	10 267	8 147	384,3%
Due to lack of funds on client accounts	2 120	6 873	42 915	10 267	8 147	384,3%
Other off-balance sheet accounts	51	-	295	-	-51	-100,0%
Written-off interest	7	-	-	-	-7	-100,0%
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	44	-	295	-	-44	-100,0%
Credit card balances	421	540	465	346	-75	-17,8%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-