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

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	KEMSOTSINBANK	add to comparison
Central Bank of Russia registration number: 96 retail funding

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.	01.04.2019	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	2 312 203	10 071 698	2 324 190	4,4	4,3	11 987	0,5%
High liquid assets	290 355	6 560 163	304 927	22,6	2,8	14 572	5,0%
Cash and equivalents	290 347	6 559 698	304 771	22,6	2,8	14 424	5,0%
Cash	46 246	163 361	31 459	3,5	0,1	-14 787	-32,0%
in cash and en route	46 246	163 361	31 459	3,5	0,1	-14 787	-32,0%
Nostro account with Central Bank	244 101	6 411 124	273 312	26,3	2,8	29 211	12,0%
Nostro accounts	365	304	513	0,8	0,0	148	40,5%
Residents	365	304	513	0,8	0,0	148	40,5%
Money in transfer	-	161	-	-	-	-	-
Provision for impairment of high-liquid assets	-357	-	-357	0,0	0,0	-	0,0%
Interest-earning assets	1 246 572	3 452 350	1 265 966	2,8	1,5	19 394	1,6%
Dues from banks	359 700	2 804 568	359 700	7,8	1,2	-	0,0%
Central Bank of Russia	300 000	1 300 000	300 000	4,3	0,6	-	0,0%
Residents	60 152	1 480 000	60 152	24,6	0,6	-	0,0%
up to 30 days	60 152	1 480 000	60 152	24,6	0,6	-	0,0%
Provision for impairment of loans to banks	-452	24 568	-452	54,4	0,0	-	0,0%
Loans to corporate clients	744 921	614 984	768 905	0,8	0,3	23 984	3,2%
residents	685 671	424 228	680 822	0,6	0,2	-4 849	-0,7%
up to 30 days	160 000	305 002	161 686	1,9	0,1	1 686	1,1%
up to 180 days	25 610	310	25 400	0,0	0,0	-210	-0,8%
up to 1 year	241 354	110 190	155 441	0,5	0,0	-85 913	-35,6%
up to 3 years	249 816	90 000	329 764	0,4	0,0	79 948	32,0%
more than 3 years	8 891	360	8 531	0,0	0,0	-360	-4,0%
Past-due	209 501	24 740	220 862	0,1	0,0	11 361	5,4%
residents	209 501	24 740	220 862	0,1	0,0	11 361	5,4%
Provision for impairment of corporate loans	-150 251	170 865	-132 779	1,1	0,1	17 472	-11,6%
residents	-150 251	170 865	-132 779	1,1	0,1	17 472	-11,6%
Loans to private entrepreneurs	15 167	2 095	14 680	0,1	0,0	-487	-3,2%
up to 3 years	14 100	900	13 200	0,1	0,0	-900	-6,4%
Past-due	2 077	15	2 070	0,0	0,0	-7	-0,3%
Provision for impairment of loans to private entrepreneurs	-1 010	1 535	-590	1,5	0,0	420	-41,6%
Loans to individuals	126 784	34 021	122 681	0,3	0,0	-4 103	-3,2%
Standard	138 247	5 795	132 767	0,0	0,0	-5 480	-4,0%
up to 1 year	449	388	61	0,9	0,0	-388	-86,4%
up to 3 years	23 336	2 346	20 990	0,1	0,0	-2 346	-10,1%
more than 3 years	114 462	3 061	111 716	0,0	0,0	-2 746	-2,4%
Past-due	11 048	5 752	14 882	0,5	0,0	3 834	34,7%
Past-due	11 048	5 752	14 882	0,5	0,0	3 834	34,7%
Provision for impairment of loans to individuals	-22 511	26 308	-24 968	1,2	0,0	-2 457	10,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	775 276	81 164	753 297	0,1	0,0	-21 979	-2,8%
Mandatory reserves with Central Bank	2 801	33	2 768	0,0	0,0	-33	-1,2%
Premises and equipment	496 771	13 027	496 474	0,0	0,0	-297	-0,1%
Purchase cost	508 511	12 798	508 443	0,0	0,0	-68	-0,0%
Depreciation	-11 740	229	-11 969	0,0	0,0	-229	2,0%
Accrued interest not yet received	18 158	24 865	10 374	1,4	0,0	-7 784	-42,9%
Other assets	336 083	12 277	336 875	0,0	0,0	792	0,2%
Provision for impairment of other assets	-91 135	31 754	-105 792	0,3	0,0	-14 657	16,1%
Deferred tax asset	12 598	-	12 598	0,0	0,0	-	0,0%
LIABILITIES	1 993 199	4 225 943	2 004 189	2,1	1,8	10 990	0,6%
Dues to banks	-	2 630 512	-	-	-	-	-
Other dues to banks	-	2 630 512	-	-	-	-	-
On demand	150 584	1 433 012	123 152	9,5	0,6	-27 432	-18,2%
Corporate clients	125 344	1 380 353	101 402	11,0	0,6	-23 942	-19,1%
State-owned enterprises	41	-	41	0,0	0,0	-	0,0%
Residents	125 303	1 380 353	101 361	11,0	0,6	-23 942	-19,1%
Individuals	25 240	52 659	21 750	2,1	0,0	-3 490	-13,8%
Residents	25 240	52 659	21 750	2,1	0,0	-3 490	-13,8%
Term	1 759 267	158 353	1 798 539	0,1	0,1	39 272	2,2%
Corporate clients	83 000	20 000	103 000	0,2	0,0	20 000	24,1%
Residents	83 000	20 000	103 000	0,2	0,0	20 000	24,1%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	13 000	20 000	33 000	1,5	0,0	20 000	153,8%
more than 3 years	70 000	-	70 000	0,0	0,0	-	0,0%
Individuals	1 676 267	138 353	1 695 539	0,1	0,1	19 272	1,1%
residents	1 676 267	138 353	1 695 539	0,1	0,1	19 272	1,1%
up to 1 year	105 497	1 201	104 297	0,0	0,0	-1 200	-1,1%
up to 3 years	1 440 836	132 339	1 459 104	0,1	0,1	18 268	1,3%
more than 3 years	129 934	6 013	132 138	0,0	0,0	2 204	1,7%
Securities issued	-	5 000	2 500	-	-	2 500	-
Promissory notes	-	5 000	2 500	-	-	2 500	-
on demand	-	2 500	2 500	-	-	2 500	-
up to 30 days	-	2 500	-	-	-	-	-
Other liabilities	83 348	29 848	79 998	0,4	0,0	-3 350	-4,0%
Other liabilities	24 739	17 807	22 068	0,7	0,0	-2 671	-10,8%
Accrued interest not yet paid	15 455	11 362	16 071	0,7	0,0	616	4,0%
Liabilities past-due	1 478	-	1 478	0,0	0,0	-	0,0%
Deferred tax liabilities	41 676	1 295	40 381	0,0	0,0	-1 295	-3,1%
EQUITY	319 004	207 325	320 001	0,6	0,1	997	0,3%
Capital	99 458	16 020	99 458	0,2	0,0	-	0,0%
Profit from previous years	459 728	-	459 728	0,0	0,0	-	0,0%
Retained earnings from previous years	459 728	-	459 728	0,0	0,0	-	0,0%
Current year profit	-240 182	191 305	-239 185	0,8	0,1	997	-0,4%
Current year retained earnings	-240 182	191 305	-239 185	0,8	0,1	997	-0,4%
OFF-BALANCE SHEET	2 576 015	842 609	2 756 960	0,3	0,4	180 945	7,0%
Contingent liabilities	-6 661	420 066	-34 407	63,1	0,2	-27 746	416,5%
Unused credit limits opened	-6 661	420 066	-34 407	63,1	0,2	-27 746	416,5%
Collateral on loans	2 263 572	406 029	2 469 479	0,2	0,2	205 907	9,1%
goods	2 263 572	406 029	2 469 479	0,2	0,2	205 907	9,1%
Unprocessed payments	354 780	19 298	357 564	0,1	0,0	2 784	0,8%
Due to lack of funds on client accounts	354 780	19 298	357 564	0,1	0,0	2 784	0,8%
Other off-balance sheet accounts	-35 676	-	-35 676	0,0	0,0	-	0,0%
Written-off interest	-5 255	-	-5 255	0,0	0,0	-	0,0%
Written-off loans	-30 421	-	-30 421	0,0	0,0	-	0,0%
Past due ratio, total	2 099	-	2 234	0,0	0,0	135	6,4%
Past due ratio, individuals	740	-	1 008	0,0	0,0	268	36,2%
Past due ratio, corporates	2 340	-	2 449	0,0	0,0	109	4,7%
Past due ratio, entrepreneurs	1 284	-	1 356	0,0	0,0	72	5,6%
Past due ratio, corporates + entrepreneurs	2 322	-	2 431	0,0	0,0	109	4,7%
Risk-weighted assets	2 537 632	-	2 553 152	0,0	0,0	15 520	0,6%