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

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	SOVEREN BANK	add to comparison
Central Bank of Russia registration number: 3206

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.	01.03.2016	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 285 698	7 492 386	2 350 678	3,3	3,2	64 980	2,8%
High liquid assets	109 395	4 929 000	112 625	45,1	2,1	3 230	3,0%
Cash and equivalents	40 514	4 054 336	95 854	100,1	1,7	55 340	136,6%
Cash	34 167	291 368	53 678	8,5	0,1	19 511	57,1%
in cash and en route	34 167	291 368	53 678	8,5	0,1	19 511	57,1%
Nostro account with Central Bank	6 347	3 762 968	42 176	592,9	1,6	35 829	564,5%
Nostro accounts	71 246	885 033	14 760	12,4	0,4	-56 486	-79,3%
Residents	71 246	885 033	14 760	12,4	0,4	-56 486	-79,3%
Money in transfer	610	35 787	2 195	58,7	0,0	1 585	259,8%
Provision for impairment of high-liquid assets	-2 975	10 330	-184	3,5	0,0	2 791	-93,8%
Interest-earning assets	1 390 492	2 435 293	1 463 182	1,8	1,0	72 690	5,2%
Dues from banks	283 400	2 064 500	373 400	7,3	0,9	90 000	31,8%
Central Bank of Russia	280 000	1 960 000	370 000	7,0	0,8	90 000	32,1%
Residents	3 400	101 000	3 400	29,7	0,0	-	0,0%
up to 30 days	3 400	101 000	3 400	29,7	0,0	-	0,0%
Provision for impairment of loans to banks	-	3 500	-	-	-	-	-
Loans to corporate clients	663 912	348 528	616 596	0,5	0,1	-47 316	-7,1%
residents	792 245	269 079	767 335	0,3	0,1	-24 910	-3,1%
up to 30 days	75 031	140 000	75 031	1,9	0,1	-	0,0%
up to 180 days	51 730	35 910	47 489	0,7	0,0	-4 241	-8,2%
up to 1 year	122 183	40 000	124 112	0,3	0,0	1 929	1,6%
up to 3 years	392 147	55 098	337 049	0,1	0,0	-55 098	-14,1%
more than 3 years	151 154	32 500	183 654	0,2	0,0	32 500	21,5%
Past-due	130	478	583	3,7	0,0	453	348,5%
residents	130	478	583	3,7	0,0	453	348,5%
Provision for impairment of corporate loans	-128 463	79 424	-151 322	0,6	0,0	-22 859	17,8%
residents	-128 463	79 424	-151 322	0,6	0,0	-22 859	17,8%
Loans to private entrepreneurs	1 250	-	1 250	0,0	0,0	-	0,0%
up to 3 years	1 250	-	1 250	0,0	0,0	-	0,0%
Loans to individuals	441 930	69 364	471 936	0,2	0,0	30 006	6,8%
Standard	461 136	63 165	496 126	0,1	0,0	34 990	7,6%
up to 30 days	29 103	13 215	34 088	0,5	0,0	4 985	17,1%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	762	122	690	0,2	0,0	-72	-9,4%
up to 3 years	232 884	28 050	249 980	0,1	0,0	17 096	7,3%
more than 3 years	198 387	21 850	211 368	0,1	0,0	12 981	6,5%
Past-due	3 026	1 324	3 097	0,4	0,0	71	2,3%
Past-due	3 026	1 324	3 097	0,4	0,0	71	2,3%
Provision for impairment of loans to individuals	-22 232	10 147	-27 287	0,5	0,0	-5 055	22,7%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	785 811	139 033	774 871	0,2	0,1	-10 940	-1,4%
Mandatory reserves with Central Bank	52 555	43 282	9 273	0,8	0,0	-43 282	-82,4%
Premises and equipment	717 672	53 073	717 608	0,1	0,0	-64	-0,0%
Purchase cost	720 309	53 009	720 354	0,1	0,0	45	0,0%
Depreciation	-2 637	109	-2 746	0,0	0,0	-109	4,1%
Accrued interest not yet received	2 164	20 256	2 764	9,4	0,0	600	27,7%
Other assets	16 101	6 396	20 577	0,4	0,0	4 476	27,8%
Provision for impairment of other assets	-2 681	21 102	-6 045	7,9	0,0	-3 364	125,5%
Deferred tax asset	-	30 694	30 694	-	-	30 694	-
LIABILITIES	1 590 039	1 659 943	1 763 306	1,0	0,7	173 267	10,9%
On demand	105 347	1 154 758	145 599	11,0	0,5	40 252	38,2%
Corporate clients	80 717	893 941	113 726	11,1	0,4	33 009	40,9%
State-owned enterprises	5 041	5 101	5 133	1,0	0,0	92	1,8%
Residents	75 676	888 840	108 593	11,7	0,4	32 917	43,5%
Individuals	24 630	260 817	31 873	10,6	0,1	7 243	29,4%
Residents	24 630	260 817	31 873	10,6	0,1	7 243	29,4%
Term	1 461 376	339 719	1 488 389	0,2	0,1	27 013	1,8%
Corporate clients	237 050	210 533	240 000	0,9	0,1	2 950	1,2%
Residents	237 050	210 533	240 000	0,9	0,1	2 950	1,2%
up to 30 days	130 000	210 028	210 000	1,6	0,1	80 000	61,5%
up to 180 days	77 050	77 555	-	1,0	0,0	-77 050	-100,0%
more than 3 years	30 000	-	30 000	0,0	0,0	-	0,0%
Individuals	1 224 326	129 186	1 248 389	0,1	0,1	24 063	2,0%
residents	1 224 326	129 186	1 248 389	0,1	0,1	24 063	2,0%
up to 180 days	15	9	21	0,6	0,0	6	40,0%
up to 1 year	307 822	96 393	331 527	0,3	0,0	23 705	7,7%
up to 3 years	587 040	22 461	586 092	0,0	0,0	-948	-0,2%
more than 3 years	329 449	11 271	330 749	0,0	0,0	1 300	0,4%
Securities issued	2 498	763	3 261	0,3	0,0	763	30,5%
Promissory notes	2 498	763	3 261	0,3	0,0	763	30,5%
up to 180 days	1 870	-	1 870	0,0	0,0	-	0,0%
up to 1 year	2 239	-	2 239	0,0	0,0	-	0,0%
Discount accrued	-1 611	763	-848	0,5	0,0	763	-47,4%
Other liabilities	20 818	164 703	126 057	7,9	0,1	105 239	505,5%
Other liabilities	4 515	48 333	10 396	10,7	0,0	5 881	130,3%
Accrued interest not yet paid	16 303	17 379	16 670	1,1	0,0	367	2,3%
Deferred tax liabilities	-	98 991	98 991	-	-	98 991	-
EQUITY	695 659	257 052	587 372	0,4	0,1	-108 287	-15,6%
Capital	328 721	-	328 721	0,0	0,0	-	0,0%
Profit from previous years	378 387	99 289	310 249	0,3	0,0	-68 138	-18,0%
Retained earnings from previous years	378 387	99 289	310 249	0,3	0,0	-68 138	-18,0%
Current year profit	-10 987	157 700	-51 236	14,4	0,1	-40 249	366,3%
Current year retained earnings	-10 987	157 700	-51 236	14,4	0,1	-40 249	366,3%
Future expenses	-462	163	-362	0,4	0,0	100	-21,6%
OFF-BALANCE SHEET	956 713	430 269	669 993	0,4	0,2	-286 720	-30,0%
Contingent liabilities	-44 774	118 415	-44 982	2,6	0,1	-208	0,5%
Guarantees issued	-14 391	-	-14 391	0,0	0,0	-	0,0%
Unused credit limits opened	-30 383	118 415	-30 591	3,9	0,1	-208	0,7%
Collateral on loans	983 614	310 303	702 412	0,3	0,1	-281 202	-28,6%
goods	983 614	310 303	702 412	0,3	0,1	-281 202	-28,6%
Unprocessed payments	17 485	6 008	12 080	0,3	0,0	-5 405	-30,9%
Due to lack of funds on client accounts	17 485	6 008	12 080	0,3	0,0	-5 405	-30,9%
Other off-balance sheet accounts	388	1 156	483	3,0	0,0	95	24,5%
Accrued interest not yet received	431	1 156	526	2,7	0,0	95	22,0%
Written-off loans	-43	-	-43	0,0	0,0	-	0,0%
Credit card balances	29 103	13 215	34 088	0,5	0,0	4 985	17,1%
Past due ratio, total	25	-	29	0,0	0,0	4	16,0%
Past due ratio, individuals	65	-	62	0,0	0,0	-3	-4,6%
Past due ratio, corporates	2	-	8	0,0	0,0	6	300,0%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	2	-	8	0,0	0,0	6	300,0%
Risk-weighted assets	2 141 889	-	2 158 364	0,0	0,0	16 475	0,8%