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

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	BANK STANDART-KREDIT	add to comparison
Central Bank of Russia registration number: 841

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	681 859	3 761 663	640 054	5,5	5,9	-41 805	-6,1%
High liquid assets	157 420	2 070 186	124 595	13,2	3,2	-32 825	-20,9%
Cash and equivalents	61 412	1 935 030	58 986	31,5	3,0	-2 426	-4,0%
Cash	45 124	31 020	46 301	0,7	0,0	1 177	2,6%
in cash and en route	45 124	31 020	46 301	0,7	0,0	1 177	2,6%
Nostro account with Central Bank	16 288	1 905 187	12 685	117,0	3,0	-3 603	-22,1%
Nostro accounts	63 137	95 282	30 714	1,5	0,1	-32 423	-51,4%
Residents	63 137	95 282	30 714	1,5	0,1	-32 423	-51,4%
Money in transfer	32 910	41 898	35 045	1,3	0,1	2 135	6,5%
Provision for impairment of high-liquid assets	-39	111	-150	2,8	0,0	-111	284,6%
Interest-earning assets	475 958	1 625 651	469 407	3,4	2,5	-6 551	-1,4%
Dues from banks	139 620	1 571 000	132 646	11,3	2,5	-6 974	-5,0%
Central Bank of Russia	135 000	1 571 000	128 000	11,6	2,5	-7 000	-5,2%
Residents	4 812	26	4 838	0,0	0,0	26	0,5%
up to 30 days	4 812	26	4 838	0,0	0,0	26	0,5%
Provision for impairment of loans to banks	-192	-	-192	0,0	0,0	-	0,0%
Securities	38 308	3 039	39 346	0,1	0,0	1 038	2,7%
Bonds	38 308	3 039	39 346	0,1	0,0	1 038	2,7%
Corporate foreign bonds	37 962	3 039	39 313	0,1	0,0	1 351	3,6%
Valuation allowance	380	313	67	0,8	0,0	-313	-82,4%
Provision for impairment of bonds	-34	-	-34	0,0	0,0	-	0,0%
Loans to corporate clients	245 573	47 967	247 842	0,2	0,1	2 269	0,9%
residents	254 266	36 512	260 430	0,1	0,1	6 164	2,4%
up to 30 days	-	174	-	-	-	-	-
up to 180 days	17 458	4 838	20 768	0,3	0,0	3 310	19,0%
up to 1 year	145 850	31 500	150 850	0,2	0,0	5 000	3,4%
up to 3 years	79 598	1 691	77 907	0,0	0,0	-1 691	-2,1%
more than 3 years	11 360	455	10 905	0,0	0,0	-455	-4,0%
Past-due	5 461	6 096	114	1,1	0,0	-5 347	-97,9%
residents	5 461	6 096	114	1,1	0,0	-5 347	-97,9%
Provision for impairment of corporate loans	-14 154	11 523	-12 702	0,8	0,0	1 452	-10,3%
residents	-14 154	11 523	-12 702	0,8	0,0	1 452	-10,3%
Loans to private entrepreneurs	22 187	2 504	19 672	0,1	0,0	-2 515	-11,3%
up to 180 days	6 000	1 000	5 000	0,2	0,0	-1 000	-16,7%
up to 1 year	15 900	1 300	14 600	0,1	0,0	-1 300	-8,2%
up to 3 years	257	-	257	0,0	0,0	-	0,0%
Past-due	558	-	558	0,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-528	378	-743	0,7	0,0	-215	40,7%
Loans to individuals	30 270	4 011	29 901	0,1	0,0	-369	-1,2%
Standard	30 658	2 118	32 206	0,1	0,0	1 548	5,0%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	7 867	1 830	9 438	0,2	0,0	1 571	20,0%
more than 3 years	22 791	311	22 768	0,0	0,0	-23	-0,1%
Past-due	3 100	51	3 131	0,0	0,0	31	1,0%
Past-due	3 100	51	3 131	0,0	0,0	31	1,0%
Provision for impairment of loans to individuals	-3 488	1 842	-5 436	0,5	0,0	-1 948	55,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	48 481	65 826	46 052	1,4	0,1	-2 429	-5,0%
Mandatory reserves with Central Bank	1 940	42	1 982	0,0	0,0	42	2,2%
Premises and equipment	28 112	46 851	27 638	1,7	0,1	-474	-1,7%
Purchase cost	50 759	46 377	51 270	0,9	0,1	511	1,0%
Depreciation	-22 647	985	-23 632	0,0	0,0	-985	4,3%
Accrued interest not yet received	1 543	6 013	302	3,9	0,0	-1 241	-80,4%
Other assets	17 144	11 679	16 253	0,7	0,0	-891	-5,2%
Provision for impairment of other assets	-258	216	-123	0,8	0,0	135	-52,3%
Derivatives - assets	-	1 202	-	-	-	-	-
LIABILITIES	356 588	570 838	318 668	1,6	0,9	-37 920	-10,6%
On demand	216 694	477 152	182 680	2,2	0,7	-34 014	-15,7%
Corporate clients	173 916	428 705	127 742	2,5	0,7	-46 174	-26,5%
Residents	173 914	428 705	127 740	2,5	0,7	-46 174	-26,5%
Non-residents	2	-	2	0,0	0,0	-	0,0%
Individuals	42 778	60 607	54 938	1,4	0,1	12 160	28,4%
Residents	19 337	58 813	30 385	3,0	0,1	11 048	57,1%
Non-residents	23 441	1 794	24 553	0,1	0,0	1 112	4,7%
Term	116 740	16 386	112 256	0,1	0,0	-4 484	-3,8%
Corporate clients	10 000	-	10 000	0,0	0,0	-	0,0%
Residents	10 000	-	10 000	0,0	0,0	-	0,0%
up to 3 years	10 000	-	10 000	0,0	0,0	-	0,0%
Individuals	106 740	16 386	102 256	0,2	0,0	-4 484	-4,2%
residents	106 740	16 386	102 256	0,2	0,0	-4 484	-4,2%
up to 1 year	1 420	7 653	9 073	5,4	0,0	7 653	538,9%
up to 3 years	78 881	16 010	66 043	0,2	0,0	-12 838	-16,3%
more than 3 years	26 439	1 077	27 140	0,0	0,0	701	2,7%
Other liabilities	23 154	77 878	23 732	3,4	0,1	578	2,5%
Other liabilities	22 708	75 783	23 235	3,3	0,1	527	2,3%
Accrued interest not yet paid	30	389	81	13,0	0,0	51	170,0%
Derivatives - liabilities	-	1 706	-	-	-	-	-
Deferred tax liabilities	416	-	416	0,0	0,0	-	0,0%
EQUITY	325 271	737 639	321 386	2,3	1,2	-3 885	-1,2%
Capital	355 448	313	355 135	0,0	0,0	-313	-0,1%
Profit from previous years	-	367 687	-31 025	-	-	-31 025	-
Retained earnings from previous years	-	367 687	-31 025	-	-	-31 025	-
Current year profit	-30 177	397 092	-2 724	13,2	0,6	27 453	-91,0%
Current year retained earnings	-30 177	397 092	-2 724	13,2	0,6	27 453	-91,0%
OFF-BALANCE SHEET	444 166	34 804	447 849	0,1	0,1	3 683	0,8%
Contingent liabilities	-8 042	5 012	-6 732	0,6	0,0	1 310	-16,3%
Unused credit limits opened	-8 042	5 012	-6 732	0,6	0,0	1 310	-16,3%
Collateral on loans	452 464	31 102	454 837	0,1	0,0	2 373	0,5%
goods	452 464	31 102	454 837	0,1	0,0	2 373	0,5%
Unprocessed payments	1 070	-	1 070	0,0	0,0	-	0,0%
Due to lack of funds on client accounts	1 070	-	1 070	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-1 326	-	-1 326	0,0	0,0	-	0,0%
Written-off interest	-725	-	-725	0,0	0,0	-	0,0%
Written-off loans	-601	-	-601	0,0	0,0	-	0,0%
Past due ratio, total	288	-	120	0,0	0,0	-168	-58,3%
Past due ratio, individuals	918	-	886	0,0	0,0	-32	-3,5%
Past due ratio, corporates	210	-	4	0,0	0,0	-206	-98,1%
Past due ratio, entrepreneurs	246	-	273	0,0	0,0	27	11,0%
Past due ratio, corporates + entrepreneurs	213	-	24	0,0	0,0	-189	-88,7%
Risk-weighted assets	613 550	-	614 492	0,0	0,0	942	0,2%