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

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	VESTA	add to comparison
Central Bank of Russia registration number: 2368 foreign-controlled, foreign shareholders

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	4 798 073	147 449 115	9 903 253	30,7	14,9	5 105 180	106,4%
High liquid assets	484 428	59 746 113	319 379	123,3	6,0	-165 049	-34,1%
Cash and equivalents	174 020	54 372 114	163 679	312,4	5,5	-10 341	-5,9%
Cash	108 724	153 449	136 355	1,4	0,0	27 631	25,4%
in cash and en route	94 002	153 449	131 930	1,6	0,0	37 928	40,3%
in ATMs	14 722	10 297	4 425	0,7	0,0	-10 297	-69,9%
Nostro account with Central Bank	65 296	54 246 296	27 324	830,8	5,5	-37 972	-58,2%
Nostro accounts	303 322	876 982	151 856	2,9	0,1	-151 466	-49,9%
Residents	303 322	876 982	151 856	2,9	0,1	-151 466	-49,9%
Money in transfer	7 088	4 497 017	3 846	634,5	0,5	-3 242	-45,7%
Provision for impairment of high-liquid assets	-2	-	-2	0,0	0,0	-	0,0%
Interest-earning assets	4 058 229	63 190 575	9 339 191	15,6	6,4	5 280 962	130,1%
Dues from banks	3 467 958	63 154 253	8 902 712	18,2	6,4	5 434 754	156,7%
Central Bank of Russia	45 000	48 076 000	2 973 000	1 068,4	4,9	2 928 000	6 506,7%
Residents	3 423 516	15 077 823	5 929 914	4,4	1,5	2 506 398	73,2%
up to 30 days	2 923 516	15 077 823	5 429 914	5,2	1,5	2 506 398	85,7%
up to 180 days	500 000	-	500 000	0,0	0,0	-	0,0%
Provision for impairment of loans to banks	-558	430	-202	0,8	0,0	356	-63,8%
Securities	582 624	181 799	431 409	0,3	0,0	-151 215	-26,0%
Bonds	582 624	181 799	431 409	0,3	0,0	-151 215	-26,0%
Federal Loan Bonds (OFZs), OBRs	50 738	276	50 980	0,0	0,0	242	0,5%
Corporate bonds	123 411	718	124 104	0,0	0,0	693	0,6%
Financial institutions bonds	103 510	633	104 095	0,0	0,0	585	0,6%
Corporate foreign bonds	308 400	169 284	159 149	0,5	0,0	-149 251	-48,4%
Valuation allowance	-3 435	12 408	-6 919	3,6	0,0	-3 484	101,4%
Stocks	-	-	-	-	-	-	-
Residents	21 025	-	21 025	0,0	0,0	-	0,0%
Valuation allowance	-21 025	-	-21 025	0,0	0,0	-	0,0%
Loans to corporate clients	5 071	1 861	5 070	0,4	0,0	-1	-0,0%
residents	5 072	123	5 161	0,0	0,0	89	1,8%
up to 30 days	-	123	89	-	-	89	-
up to 1 year	735	-	735	0,0	0,0	-	0,0%
up to 3 years	4 337	-	4 337	0,0	0,0	-	0,0%
Past-due	88 788	1 124	89 778	0,0	0,0	990	1,1%
residents	88 788	1 124	89 778	0,0	0,0	990	1,1%
non-residents	-	-	-	-	-	-	-
Provision for impairment of corporate loans	-88 789	1 693	-89 869	0,0	0,0	-1 080	1,2%
residents	-89 881	1 693	-90 961	0,0	0,0	-1 080	1,2%
non-residents	-	-	-	-	-	-	-
state-owned enterprises	1 092	-	1 092	0,0	0,0	-	0,0%
Loans to private entrepreneurs	-	622	-	-	-	-	-
up to 30 days	-	128	32	-	-	32	-
Past-due	443	475	764	1,1	0,0	321	72,5%
Provision for impairment of loans to private entrepreneurs	-443	62	-796	0,1	0,0	-353	79,7%
Loans to individuals	2 576	6 141	-	2,4	0,0	-2 576	-100,0%
Standard	2 727	4 174	970	1,5	0,0	-1 757	-64,4%
up to 30 days	-	128	-	-	-	-	-
up to 3 years	151	2 289	970	15,2	0,0	819	542,4%
more than 3 years	2 576	2 576	-	1,0	0,0	-2 576	-100,0%
Past-due	672	30	700	0,0	0,0	28	4,2%
Past-due	672	30	700	0,0	0,0	28	4,2%
Provision for impairment of loans to individuals	-823	1 965	-1 670	2,4	0,0	-847	102,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	255 416	24 688 209	244 683	96,7	2,5	-10 733	-4,2%
Mandatory reserves with Central Bank	4 398	157	4 241	0,0	0,0	-157	-3,6%
Premises and equipment	114 313	175 745	105 091	1,5	0,0	-9 222	-8,1%
Purchase cost	162 586	171 815	156 941	1,1	0,0	-5 645	-3,5%
Depreciation	-48 273	3 930	-51 850	0,1	0,0	-3 577	7,4%
Accrued interest not yet received	5 892	49 601	16 420	8,4	0,0	10 528	178,7%
Other assets	118 612	24 432 183	111 216	206,0	2,5	-7 396	-6,2%
Provision for impairment of other assets	-8 970	18 244	-14 055	2,0	0,0	-5 085	56,7%
Derivatives - assets	179	23 406	778	130,8	0,0	599	334,6%
Deferred tax asset	20 992	-	20 992	0,0	0,0	-	0,0%
LIABILITIES	4 128 227	62 620 169	8 537 918	15,2	6,3	4 409 691	106,8%
Dues to banks	2 701 595	5 287 043	7 216 038	2,0	0,5	4 514 443	167,1%
On demand	2 701 595	5 287 043	7 216 038	2,0	0,5	4 514 443	167,1%
Residents	2 701 595	5 287 043	7 216 038	2,0	0,5	4 514 443	167,1%
Term	-	-	-	-	-	-	-
Residents	-	-	-	-	-	-	-
up to 30 days	-	-	-	-	-	-	-
On demand	1 238 897	3 447 276	1 188 335	2,8	0,3	-50 562	-4,1%
Corporate clients	851 341	2 501 734	892 284	2,9	0,3	40 943	4,8%
Residents	849 750	2 501 701	890 678	2,9	0,3	40 928	4,8%
Non-residents	1 591	33	1 606	0,0	0,0	15	0,9%
Individuals	387 521	986 485	296 016	2,5	0,1	-91 505	-23,6%
Residents	313 745	700 077	245 888	2,2	0,1	-67 857	-21,6%
Non-residents	73 776	286 408	50 128	3,9	0,0	-23 648	-32,1%
Brokerage accounts	35	-	35	0,0	0,0	-	0,0%
Residents	35	-	35	0,0	0,0	-	0,0%
Term	15 041	15 872	13	1,1	0,0	-15 028	-99,9%
Corporate clients	11	-	11	0,0	0,0	-	0,0%
Residents	11	-	11	0,0	0,0	-	0,0%
more than 3 years	11	-	11	0,0	0,0	-	0,0%
Individuals	15 030	15 872	2	1,1	0,0	-15 028	-100,0%
residents	15 030	15 872	2	1,1	0,0	-15 028	-100,0%
up to 1 year	6 914	7 055	-	1,0	0,0	-6 914	-100,0%
up to 3 years	5 352	5 862	1	1,1	0,0	-5 351	-100,0%
more than 3 years	2 764	2 955	1	1,1	0,0	-2 763	-100,0%
Other liabilities	172 694	53 974 730	133 532	312,5	5,5	-39 162	-22,7%
Other liabilities	172 537	53 967 117	133 436	312,8	5,4	-39 101	-22,7%
Accrued interest not yet paid	157	203	96	1,3	0,0	-61	-38,9%
Derivatives - liabilities	-	7 410	-	-	-	-	-
EQUITY	669 846	4 478 950	1 365 335	6,7	0,5	695 489	103,8%
Capital	481 283	759 009	1 227 153	1,6	0,1	745 870	155,0%
Profit from previous years	714 509	2 067 954	161 028	2,9	0,2	-553 481	-77,5%
Retained earnings from previous years	714 509	2 067 954	161 028	2,9	0,2	-553 481	-77,5%
Current year profit	-525 946	2 205 468	-22 846	4,2	0,2	503 100	-95,7%
Current year retained earnings	-525 946	2 205 468	-22 846	4,2	0,2	503 100	-95,7%
OFF-BALANCE SHEET	45 508	19 582	52 309	0,4	0,0	6 801	14,9%
Contingent liabilities	-32 106	7 870	-24 364	0,2	0,0	7 742	-24,1%
Guarantees issued	-31 806	7 742	-24 064	0,2	0,0	7 742	-24,3%
Unused credit limits opened	-300	128	-300	0,4	0,0	-	0,0%
Collateral on loans	16 826	3 255	13 571	0,2	0,0	-3 255	-19,3%
goods	16 826	3 255	13 571	0,2	0,0	-3 255	-19,3%
Unprocessed payments	70 266	8 457	72 580	0,1	0,0	2 314	3,3%
Due to lack of funds on client accounts	70 266	8 457	72 580	0,1	0,0	2 314	3,3%
Other off-balance sheet accounts	-9 478	-	-9 478	0,0	0,0	-	0,0%
Written-off interest	-4 206	-	-4 206	0,0	0,0	-	0,0%
Written-off loans	-5 272	-	-5 272	0,0	0,0	-	0,0%
Credit card balances	-	128	-	-	-	-	-
Past due ratio, total	9 202	-	9 367	0,0	0,0	165	1,8%
Past due ratio, individuals	1 977	-	4 192	0,0	0,0	2 215	112,0%
Past due ratio, corporates	9 460	-	9 456	0,0	0,0	-4	-0,0%
Past due ratio, entrepreneurs	10 000	-	9 598	0,0	0,0	-402	-4,0%
Past due ratio, corporates + entrepreneurs	9 462	-	9 458	0,0	0,0	-4	-0,0%
Risk-weighted assets	1 814 445	-	1 829 544	0,0	0,0	15 099	0,8%