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

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	SOVINKOM	add to comparison
Central Bank of Russia registration number: 2302

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	19 462 576	6 744 893	3 811 673	3 975 614	-15 486 962	-79,6%
High liquid assets	16 840 710	5 770 267	3 653 021	3 753 484	-13 087 226	-77,7%
Cash and equivalents	15 486 129	4 683 906	3 053 194	3 138 394	-12 347 735	-79,7%
Cash	3 503 714	3 212 766	2 789 929	2 841 886	-661 828	-18,9%
in cash and en route	3 500 858	3 210 760	2 788 303	2 839 819	-661 039	-18,9%
in ATMs	2 856	2 006	1 626	2 067	-789	-27,6%
Nostro account with Central Bank	11 982 415	1 471 140	263 265	296 508	-11 685 907	-97,5%
Nostro accounts	923 045	813 909	466 337	453 348	-469 697	-50,9%
Non-residents	278 196	80 470	56 518	24 696	-253 500	-91,1%
Residents	644 849	733 439	409 819	428 652	-216 197	-33,5%
Money in transfer	295 893	208 674	107 445	143 666	-152 227	-51,4%
Exchange accounts	135 643	63 778	26 045	17 912	-117 731	-86,8%
Provision for impairment of high-liquid assets	-	-	-	164	164	-
Interest-earning assets	1 863 767	101 476	49 308	65 634	-1 798 133	-96,5%
Dues from banks	1 749 791	54 987	32 835	42 102	-1 707 689	-97,6%
Residents	1 749 791	54 987	32 835	42 102	-1 707 689	-97,6%
up to 30 days	1 749 791	54 987	32 835	42 102	-1 707 689	-97,6%
Securities	1 132	14 326	15 169	98	-1 034	-91,3%
Promissory notes	1 132	263	15 169	98	-1 034	-91,3%
Banks	1 132	263	15 169	98	-1 034	-91,3%
Provision for impairment of promissory notes	-	-	-	-	-	-
Stocks	-	14 063	-	-	-	-
Residents	-	-	-	-	-	-
Valuation allowance	-	14 063	-	-	-	-
Loans to corporate clients	107 261	26 437	161	9 446	-97 815	-91,2%
residents	103 117	215	-	-	-103 117	-100,0%
up to 30 days	79 651	-	-	-	-79 651	-100,0%
up to 1 year	700	-	-	-	-700	-100,0%
up to 3 years	22 766	215	-	-	-22 766	-100,0%
more than 3 years	-	-	-	-	-	-
Past-due	-	19 672	126	-	-	-
residents	-	19 672	126	-	-	-
Provision for impairment of corporate loans	4 144	6 550	35	9 446	5 302	127,9%
residents	4 144	6 550	35	9 446	5 302	127,9%
Loans to private entrepreneurs	2	63	2	3	1	50,0%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	2	63	2	3	1	50,0%
Loans to individuals	5 581	5 663	1 141	13 985	8 404	150,6%
Standard	4 038	199	705	542	-3 496	-86,6%
up to 30 days	61	70	-	-	-61	-100,0%
up to 180 days	3 552	-	-	-	-3 552	-100,0%
up to 1 year	425	129	705	542	117	27,5%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	228	2 010	245	245	17	7,5%
Past-due	228	2 010	245	245	17	7,5%
Provision for impairment of loans to individuals	1 315	3 454	191	13 198	11 883	903,7%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	758 099	873 150	109 344	156 496	-601 603	-79,4%
Mandatory reserves with Central Bank	28 104	-	-	-	-28 104	-100,0%
Premises and equipment	108 135	378 021	19 527	71 064	-37 071	-34,3%
Purchase cost	107 687	376 847	19 527	70 764	-36 923	-34,3%
Depreciation	448	1 174	-	300	-148	-33,0%
Accrued interest not yet received	15 543	7 555	5 610	4 190	-11 353	-73,0%
Non-current assets	-	-	-	27 503	27 503	-
Other assets	605 443	485 911	83 473	53 091	-552 352	-91,2%
Provision for impairment of other assets	874	1 663	734	648	-226	-25,9%
LIABILITIES	13 102 745	3 110 317	1 356 590	1 064 455	-12 038 290	-91,9%
Dues to banks	6 513 564	695 946	137 894	145 974	-6 367 590	-97,8%
On demand	-	650 000	107 894	95 974	95 974	-
Residents	-	650 000	107 894	95 974	95 974	-
Term	6 513 564	12 000	30 000	50 000	-6 463 564	-99,2%
Residents	6 513 564	12 000	30 000	50 000	-6 463 564	-99,2%
up to 30 days	6 513 564	12 000	30 000	50 000	-6 463 564	-99,2%
Other dues to banks	-	33 946	-	-	-	-
On demand	5 535 106	1 367 048	490 128	534 532	-5 000 574	-90,3%
Corporate clients	5 445 241	1 264 303	447 380	515 811	-4 929 430	-90,5%
State-owned enterprises	30 626	6 385	1 403	1 460	-29 166	-95,2%
Residents	5 093 944	975 524	273 811	315 880	-4 778 064	-93,8%
Non-residents	320 671	282 394	172 166	198 471	-122 200	-38,1%
Individuals	89 865	102 745	42 748	18 721	-71 144	-79,2%
Residents	86 311	101 253	42 164	18 578	-67 733	-78,5%
Non-residents	3 554	1 492	584	143	-3 411	-96,0%
Term	173 435	304 020	346 546	20 774	-152 661	-88,0%
Corporate clients	-	-	-	12	12	-
Residents	-	-	-	12	12	-
up to 3 years	-	-	-	12	12	-
Individuals	173 435	304 020	346 546	20 762	-152 673	-88,0%
residents	173 435	304 020	345 836	20 762	-152 673	-88,0%
up to 180 days	2 869	7 748	24 901	203	-2 666	-92,9%
up to 1 year	69 904	180 238	96 182	9 469	-60 435	-86,5%
up to 3 years	56 149	25 894	216 465	10 354	-45 795	-81,6%
more than 3 years	44 513	90 140	8 288	736	-43 777	-98,3%
non-residents	-	-	710	-	-	-
up to 3 years	-	-	710	-	-	-
Other liabilities	880 640	743 303	382 022	363 175	-517 465	-58,8%
Other liabilities	877 320	738 249	379 876	360 296	-517 024	-58,9%
Accrued interest not yet paid	3 320	5 054	2 146	2 879	-441	-13,3%
EQUITY	81 201	358 775	1 979 063	2 022 681	1 941 480	2 391,0%
Capital	467	285 000	-	-	-467	-100,0%
Profit from previous years	-	-	961 298	1 963 771	1 963 771	-
Retained earnings from previous years	-	-	961 298	1 963 771	1 963 771	-
Current year profit	75 540	72 761	1 016 792	58 585	-16 955	-22,4%
Current year retained earnings	75 540	72 761	1 016 792	58 585	-16 955	-22,4%
Future expenses	5 194	1 014	973	325	-4 869	-93,7%
OFF-BALANCE SHEET	351 832	810 448	31 449	88 871	-262 961	-74,7%
Contingent liabilities	138 498	115 530	27 420	725	-137 773	-99,5%
Guarantees issued	286	1 374	-	-	-286	-100,0%
Unused credit limits opened	138 212	114 156	27 420	725	-137 487	-99,5%
Collateral on loans	213 331	694 793	2 837	87 000	-126 331	-59,2%
goods	213 331	694 793	2 837	87 000	-126 331	-59,2%
Other off-balance sheet accounts	3	125	1 192	1 146	1 143	38 100,0%
Accrued interest not yet received	3	125	1 192	1 146	1 143	38 100,0%
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Credit card balances	61	70	-	-	-61	-100,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-