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

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	SEVASTOPOSKIY MORSKOY BANK	add to comparison
Central Bank of Russia registration number: 3528

Financial analysis

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	469 412	680 971	142 000	190 071	-279 341	-59,5%
High liquid assets	155 598	345 748	51 451	39 199	-116 399	-74,8%
Cash and equivalents	136 972	334 838	49 593	39 075	-97 897	-71,5%
Cash	39 075	24 352	9 494	4 892	-34 183	-87,5%
in cash and en route	35 446	24 352	9 494	4 892	-30 554	-86,2%
precious metals	3 629	-	-	-	-3 629	-100,0%
Nostro account with Central Bank	97 897	310 486	40 099	34 183	-63 714	-65,1%
Nostro accounts	30	10 440	1 731	-	-30	-100,0%
Residents	30	10 440	1 731	-	-30	-100,0%
Money in transfer	15 346	470	127	124	-15 222	-99,2%
Provision for impairment of high-liquid assets	3 250	-	-	-	-3 250	-100,0%
Interest-earning assets	273 379	196 494	43 889	100 445	-172 934	-63,3%
Loans to corporate clients	40 910	155 555	28 413	66 502	25 592	62,6%
residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	7 296	126 701	5 464	4 114	-3 182	-43,6%
residents	7 296	4 395	5 452	4 114	-3 182	-43,6%
non-residents	-	122 306	-	-	-	-
state-owned enterprises	-	-	12	-	-	-
Provision for impairment of corporate loans	33 614	28 854	22 949	62 388	28 774	85,6%
residents	20 966	14 444	11 506	33 676	12 710	60,6%
non-residents	12 648	14 410	11 443	28 711	16 063	127,0%
state-owned enterprises	-	-	-	1	1	-
Loans to private entrepreneurs	6 147	1 484	1 877	3 106	-3 041	-49,5%
Past-due	2 595	397	988	383	-2 212	-85,2%
Provision for impairment of loans to private entrepreneurs	3 552	1 087	889	2 723	-829	-23,3%
Loans to individuals	226 322	39 455	13 599	30 837	-195 485	-86,4%
Standard	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	143 127	24 676	5 078	5 495	-137 632	-96,2%
Past-due	143 127	24 676	5 078	5 495	-137 632	-96,2%
Provision for impairment of loans to individuals	83 195	14 779	8 521	25 342	-57 853	-69,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	40 435	138 729	46 660	50 427	9 992	24,7%
Mandatory reserves with Central Bank	-	-	-	-	-	-
Premises and equipment	7 000	22 252	16 921	11 273	4 273	61,0%
Purchase cost	6 223	20 116	9 769	5 827	-396	-6,4%
Depreciation	777	2 136	7 152	5 446	4 669	600,9%
Accrued interest not yet received	15 030	10 930	8 251	9 543	-5 487	-36,5%
Other assets	12 428	35 570	20 893	20 032	7 604	61,2%
Provision for impairment of other assets	5 977	69 977	595	9 579	3 602	60,3%
LIABILITIES	271 079	379 398	73 404	43 411	-227 668	-84,0%
Dues to banks	288	280 270	1 896	137	-151	-52,4%
Term	-	280 000	-	-	-	-
Residents	-	280 000	-	-	-	-
up to 180 days	-	280 000	-	-	-	-
Other dues to banks	288	270	1 896	137	-151	-52,4%
On demand	111 017	51 380	29 557	14 345	-96 672	-87,1%
Corporate clients	32 531	16 850	9 819	2 746	-29 785	-91,6%
State-owned enterprises	6	4	6	10	4	66,7%
Residents	32 518	16 840	9 805	2 727	-29 791	-91,6%
Non-residents	7	6	8	9	2	28,6%
Individuals	78 486	34 530	19 738	11 599	-66 887	-85,2%
Residents	76 899	30 106	16 686	10 967	-65 932	-85,7%
Non-residents	1 587	4 424	3 052	632	-955	-60,2%
Term	55 252	8 101	6 219	2 977	-52 275	-94,6%
Corporate clients	-	-	-	-	-	-
State-owned enterprises	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	55 252	8 101	6 219	2 977	-52 275	-94,6%
residents	55 252	7 690	4 819	2 977	-52 275	-94,6%
up to 30 days	2	-	-	-	-2	-100,0%
up to 1 year	157	43	5	5	-152	-96,8%
up to 3 years	43 771	7 632	4 231	2 972	-40 799	-93,2%
more than 3 years	11 322	15	583	-	-11 322	-100,0%
non-residents	-	411	1 400	-	-	-
up to 3 years	-	411	1 400	-	-	-
Other liabilities	104 522	39 647	35 732	25 952	-78 570	-75,2%
Other liabilities	104 174	35 241	34 745	25 905	-78 269	-75,1%
Accrued interest not yet paid	348	4 284	987	20	-328	-94,3%
Deferred tax liabilities	-	122	-	27	27	-
EQUITY	151 338	101 250	78 759	44 332	-107 006	-70,7%
Capital	-	4 478	1 366	-	-	-
Profit from previous years	-	147	-	-	-	-
Retained earnings from previous years	-	147	-	-	-	-
Current year profit	151 338	96 625	77 393	44 332	-107 006	-70,7%
Current year retained earnings	151 338	96 625	77 393	44 332	-107 006	-70,7%
OFF-BALANCE SHEET	61 843	91 454	292 339	181 513	119 670	193,5%
Contingent liabilities	1 467	2 937	395	3 737	2 270	154,7%
Guarantees issued	1 000	-	-	-	-1 000	-100,0%
Unused credit limits opened	467	2 937	395	3 737	3 270	700,2%
Collateral on loans	20 302	20 967	39 979	58 978	38 676	190,5%
goods	20 302	20 967	39 979	58 978	38 676	190,5%
securities	-	-	-	-	-	-
Unprocessed payments	32 752	63 843	248 440	36 170	3 418	10,4%
Due to lack of funds on client accounts	32 752	63 843	248 440	36 170	3 418	10,4%
Other off-balance sheet accounts	7 322	3 707	3 525	82 628	75 306	1 028,5%
Written-off interest	363	195	193	1 610	1 247	343,5%
Written-off loans	6 959	3 512	3 332	81 018	74 059	1 064,2%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-