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

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	ZAPSIBKOMBANK	add to comparison
Central Bank of Russia registration number: 918 retail lending, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	198 299 951	124 835 691	130 666 416	218 512 649	20 212 698	10,2%
High liquid assets	97 631 053	66 180 474	69 784 144	132 832 018	35 200 965	36,1%
Cash and equivalents	4 150 467	7 719 330	11 508 968	17 886 330	13 735 863	330,9%
Cash	422 772	336 356	291 561	293 840	-128 932	-30,5%
in cash and en route	370 708	269 617	244 341	293 840	-76 868	-20,7%
in ATMs	52 064	66 739	47 220	-	-52 064	-100,0%
Nostro account with Central Bank	3 727 695	7 382 974	11 217 407	17 592 490	13 864 795	371,9%
Nostro accounts	91 829 463	56 676 450	57 398 950	114 534 201	22 704 738	24,7%
Non-residents	4 043	793	375	75	-3 968	-98,1%
Residents	91 825 420	56 675 657	57 398 575	114 534 126	22 708 706	24,7%
Money in transfer	1 651 028	1 784 647	876 226	411 487	-1 239 541	-75,1%
Provision for impairment of high-liquid assets	95	47	-	-	-95	-100,0%
Interest-earning assets	92 850 906	56 049 017	58 290 989	82 136 241	-10 714 665	-11,5%
Dues from banks	88 315 422	55 243 899	57 221 917	81 122 977	-7 192 445	-8,1%
Central Bank of Russia	-	4 418 650	4 813 060	-	-	-
Residents	88 277 778	50 822 320	52 397 682	81 116 835	-7 160 943	-8,1%
up to 30 days	88 277 778	50 822 320	52 397 682	81 116 835	-7 160 943	-8,1%
up to 180 days	-	-	-	-	-	-
more than 180 days	-	-	-	-	-	-
Non-residents	35 648	1 332	2 624	1 482	-34 166	-95,8%
up to 30 days	35 648	1 332	2 624	1 482	-34 166	-95,8%
Provision for impairment of loans to banks	1 996	1 597	8 551	4 660	2 664	133,5%
Securities	11 330	10 679	9 442	21 319	9 989	88,2%
Bonds	11 330	10 679	9 442	21 319	9 989	88,2%
Federal Loan Bonds (OFZs), OBRs	10 633	10 112	9 442	9 402	-1 231	-11,6%
Valuation allowance	697	567	-	11 917	11 220	1 609,8%
Loans to corporate clients	2 319 300	170 904	478 873	647 581	-1 671 719	-72,1%
residents	280 354	19 789	-	40 000	-240 354	-85,7%
up to 30 days	266 309	-	-	-	-266 309	-100,0%
up to 180 days	65	14 042	-	-	-65	-100,0%
up to 1 year	-	5 747	-	-	-	-
up to 3 years	13 980	-	-	-	-13 980	-100,0%
more than 3 years	-	-	-	40 000	40 000	-
state-owned enterprises	-	-	-	-	-	-
up to 1 year	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	29 246	27 392	11 579	135 801	106 555	364,3%
residents	29 178	26 919	11 205	135 801	106 623	365,4%
state-owned enterprises	68	473	374	-	-68	-100,0%
Provision for impairment of corporate loans	2 009 700	123 723	467 294	471 780	-1 537 920	-76,5%
residents	1 996 453	122 110	464 614	470 224	-1 526 229	-76,4%
state-owned enterprises	13 247	1 613	2 680	1 556	-11 691	-88,3%
Loans to private entrepreneurs	127 722	10 973	31 277	15 153	-112 569	-88,1%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	754	429	349	817	63	8,4%
Provision for impairment of loans to private entrepreneurs	126 968	10 544	30 928	14 336	-112 632	-88,7%
Loans to individuals	2 077 132	612 562	549 480	329 211	-1 747 921	-84,2%
Standard	32 823	6 177	1 231	5 406	-27 417	-83,5%
up to 30 days	457	62	9	-	-457	-100,0%
up to 3 years	-	-	-	-	-	-
more than 3 years	32 366	6 115	1 222	5 406	-26 960	-83,3%
Past-due	242 842	231 346	16 347	52 254	-190 588	-78,5%
Past-due	242 842	231 346	16 347	52 254	-190 588	-78,5%
Provision for impairment of loans to individuals	1 801 467	375 039	531 902	271 551	-1 529 916	-84,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	7 817 992	2 606 200	2 591 283	3 544 390	-4 273 602	-54,7%
Mandatory reserves with Central Bank	-	-	-	-	-	-
Premises and equipment	3 952 014	431 717	1 007 634	781 468	-3 170 546	-80,2%
Purchase cost	3 936 704	395 237	1 001 317	471 204	-3 465 500	-88,0%
Depreciation	15 310	36 480	6 317	310 264	294 954	1 926,5%
Accrued interest not yet received	170 850	158 491	143 813	129 825	-41 025	-24,0%
Other assets	3 518 867	1 938 104	1 322 845	2 545 038	-973 829	-27,7%
Provision for impairment of other assets	176 261	77 888	116 991	88 059	-88 202	-50,0%
LIABILITIES	12 815 672	6 860 067	6 025 860	5 414 361	-7 401 311	-57,8%
Dues to banks	26 804	10 361	14 011	34 441	7 637	28,5%
Term	1 185	2 500	2 500	5 000	3 815	321,9%
Central Bank of Russia	1 185	2 500	2 500	5 000	3 815	321,9%
more than 180 days	1 185	2 500	2 500	5 000	3 815	321,9%
Other dues to banks	25 619	7 861	11 511	29 441	3 822	14,9%
On demand	3 507 529	2 466 766	2 100 707	2 127 193	-1 380 336	-39,4%
Corporate clients	991 313	571 599	337 879	709 113	-282 200	-28,5%
State-owned enterprises	15	15	22	1 528	1 513	10 086,7%
Residents	991 298	571 584	337 857	707 585	-283 713	-28,6%
Non-residents	-	-	-	-	-	-
Individuals	2 515 627	1 894 830	1 761 452	1 418 080	-1 097 547	-43,6%
Residents	2 512 559	1 879 424	1 752 373	1 416 323	-1 096 236	-43,6%
Non-residents	3 068	15 406	9 079	1 757	-1 311	-42,7%
Brokerage accounts	589	337	1 376	-	-589	-100,0%
Residents	8	337	1 376	-	-8	-100,0%
Non-residents	581	-	-	-	-581	-100,0%
Term	3 444 497	2 336 296	2 662 406	1 671 927	-1 772 570	-51,5%
Corporate clients	6 411	29 264	25 403	149 827	143 416	2 237,0%
Residents	6 411	29 264	25 403	149 827	143 416	2 237,0%
up to 1 year	-	-	5 663	2 300	2 300	-
up to 3 years	6 098	28 833	19 488	147 250	141 152	2 314,7%
more than 3 years	313	431	252	277	-36	-11,5%
Individuals	3 438 086	2 307 032	2 637 003	1 522 100	-1 915 986	-55,7%
residents	3 437 110	2 300 145	2 629 907	1 522 092	-1 915 018	-55,7%
up to 3 years	3 437 110	2 300 145	2 629 907	1 522 092	-1 915 018	-55,7%
non-residents	976	6 887	7 096	8	-968	-99,2%
up to 3 years	976	6 887	7 096	8	-968	-99,2%
Other liabilities	5 836 842	2 046 644	1 248 736	1 580 800	-4 256 042	-72,9%
Other liabilities	5 794 385	1 957 481	1 225 264	1 494 420	-4 299 965	-74,2%
Accrued interest not yet paid	38 998	29 973	21 902	8 774	-30 224	-77,5%
Deferred tax liabilities	3 459	59 190	1 570	77 606	74 147	2 143,6%
EQUITY	4 032 828	1 094 127	776 193	96 246 919	92 214 091	2 286,6%
Capital	1 241 869	159 853	8 243	116 073	-1 125 796	-90,7%
Profit from previous years	1 204 381	-	-	70 568 448	69 364 067	5 759,3%
Retained earnings from previous years	1 204 381	-	-	70 568 448	69 364 067	5 759,3%
Current year profit	1 586 578	934 274	767 950	25 562 398	23 975 820	1 511,2%
Current year retained earnings	1 586 578	934 274	767 950	25 562 398	23 975 820	1 511,2%
OFF-BALANCE SHEET	2 831 190	1 944 963	3 084 263	5 603 654	2 772 464	97,9%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	589 813	947 646	563 697	936 442	346 629	58,8%
Guarantees issued	61 850	-	103 940	172 407	110 557	178,8%
Unused credit limits opened	527 963	947 646	459 757	764 035	236 072	44,7%
Collateral on loans	1 650 012	468 643	2 053 933	3 647 458	1 997 446	121,1%
goods	1 640 996	467 215	1 928 603	3 647 458	2 006 462	122,3%
securities	9 016	1 428	125 330	-	-9 016	-100,0%
Unprocessed payments	591 326	527 924	464 020	1 016 571	425 245	71,9%
Due to lack of funds on client accounts	591 326	527 924	464 020	1 016 571	425 245	71,9%
Other off-balance sheet accounts	39	750	2 613	3 183	3 144	8 061,5%
Written-off interest	-	-	-	-	-	-
Written-off loans	39	750	2 613	3 183	3 144	8 061,5%
Credit card balances	457	62	9	-	-457	-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	-	-	-	-	-	-