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.


Turnover by thous. rub.					Period change
ASSETS	11 503 804	10 430 043	8 280 042	10 071 698	-1 432 106	-12,4%
High liquid assets	7 304 097	6 572 689	5 465 686	6 560 163	-743 934	-10,2%
Cash and equivalents	7 301 403	6 570 996	5 465 439	6 559 698	-741 705	-10,2%
Cash	261 516	174 142	120 114	148 574	-112 942	-43,2%
in cash and en route	261 516	174 142	120 114	148 574	-112 942	-43,2%
Nostro account with Central Bank	7 039 887	6 396 854	5 345 325	6 411 124	-628 763	-8,9%
Nostro accounts	1 342	851	120	304	-1 038	-77,3%
Residents	1 342	851	120	304	-1 038	-77,3%
Money in transfer	1 352	842	127	161	-1 191	-88,1%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	4 126 266	3 795 657	2 573 450	3 452 350	-673 916	-16,3%
Dues from banks	3 756 147	3 418 851	2 272 739	2 804 568	-951 579	-25,3%
Central Bank of Russia	200 000	1 150 000	1 190 000	1 300 000	1 100 000	550,0%
Residents	3 515 000	2 235 000	1 065 000	1 480 000	-2 035 000	-57,9%
up to 30 days	3 515 000	2 235 000	1 065 000	1 480 000	-2 035 000	-57,9%
Provision for impairment of loans to banks	41 147	33 851	17 739	24 568	-16 579	-40,3%
Loans to corporate clients	348 211	357 059	280 512	614 984	266 773	76,6%
residents	262 813	271 244	228 028	419 379	156 566	59,6%
up to 30 days	249 609	214 543	198 383	305 002	55 393	22,2%
up to 180 days	3 900	20 640	12 400	100	-3 800	-97,4%
up to 1 year	5 402	36 061	7 000	24 277	18 875	349,4%
up to 3 years	3 902	-	10 245	90 000	86 098	2 206,5%
more than 3 years	-	-	-	-	-	-
Past-due	42 251	29 404	20 173	24 740	-17 511	-41,4%
residents	42 251	29 404	20 173	24 740	-17 511	-41,4%
Provision for impairment of corporate loans	43 147	56 411	32 311	170 865	127 718	296,0%
residents	43 147	56 411	32 311	170 865	127 718	296,0%
Loans to private entrepreneurs	898	359	3 526	1 543	645	71,8%
up to 3 years	-	-	-	-	-	-
Past-due	461	23	3 010	8	-453	-98,3%
Provision for impairment of loans to private entrepreneurs	437	336	516	1 535	1 098	251,3%
Loans to individuals	21 010	19 388	16 673	31 255	10 245	48,8%
Standard	1 387	6 400	7 490	315	-1 072	-77,3%
up to 1 year	437	-	-	-	-437	-100,0%
up to 3 years	950	-	1 490	-	-950	-100,0%
more than 3 years	-	6 400	6 000	315	315	-
Past-due	4 588	5 139	473	5 752	1 164	25,4%
Past-due	4 588	5 139	473	5 752	1 164	25,4%
Provision for impairment of loans to individuals	15 035	7 849	8 710	25 188	10 153	67,5%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	73 441	61 697	240 906	59 185	-14 256	-19,4%
Mandatory reserves with Central Bank	34	236	-	-	-34	-100,0%
Premises and equipment	1 401	21 063	90 139	12 730	11 329	808,6%
Purchase cost	1 401	21 063	90 139	12 730	11 329	808,6%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	34 883	13 806	17 172	17 081	-17 802	-51,0%
Other assets	25 442	16 477	116 823	12 277	-13 165	-51,7%
Provision for impairment of other assets	11 681	10 115	16 772	17 097	5 416	46,4%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	4 293 341	3 527 534	3 581 998	4 214 953	-78 388	-1,8%
Dues to banks	2 695 333	2 229 740	2 398 992	2 630 512	-64 821	-2,4%
Other dues to banks	2 695 333	2 229 740	2 398 992	2 630 512	-64 821	-2,4%
On demand	1 203 510	1 166 560	1 012 692	1 433 012	229 502	19,1%
Corporate clients	1 069 638	1 100 344	964 858	1 380 353	310 715	29,0%
State-owned enterprises	6	-	-	-	-6	-100,0%
Residents	1 069 632	1 100 344	964 858	1 380 353	310 721	29,0%
Individuals	133 872	66 216	47 834	52 659	-81 213	-60,7%
Residents	133 872	66 216	47 834	52 659	-81 213	-60,7%
Term	358 364	80 268	140 063	119 081	-239 283	-66,8%
Corporate clients	-	4 300	6 000	-	-	-
Residents	-	4 300	6 000	-	-	-
up to 30 days	-	-	1 000	-	-	-
up to 180 days	-	4 300	5 000	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	358 364	75 968	134 063	119 081	-239 283	-66,8%
residents	358 364	75 968	134 063	119 081	-239 283	-66,8%
up to 1 year	2 013	50	1 150	1 201	-812	-40,3%
up to 3 years	349 990	71 396	126 182	114 071	-235 919	-67,4%
more than 3 years	6 361	4 522	6 731	3 809	-2 552	-40,1%
Securities issued	4 400	-	-	2 500	-1 900	-43,2%
Promissory notes	4 400	-	-	2 500	-1 900	-43,2%
on demand	2 200	-	-	-	-2 200	-100,0%
up to 30 days	2 200	-	-	2 500	300	13,6%
Other liabilities	31 734	50 966	30 251	29 848	-1 886	-5,9%
Other liabilities	21 510	23 875	19 438	17 807	-3 703	-17,2%
Accrued interest not yet paid	10 224	9 558	10 813	10 746	522	5,1%
Liabilities past-due	-	-	-	-	-	-
Deferred tax liabilities	-	17 533	-	1 295	1 295	-
EQUITY	1 894 402	215 851	1 671 297	206 328	-1 688 074	-89,1%
Capital	-	34 181	-	16 020	16 020	-
Profit from previous years	770 727	23 214	1 568 223	-	-770 727	-100,0%
Retained earnings from previous years	770 727	23 214	1 568 223	-	-770 727	-100,0%
Current year profit	1 123 675	158 456	103 074	190 308	-933 367	-83,1%
Current year retained earnings	1 123 675	158 456	103 074	190 308	-933 367	-83,1%
OFF-BALANCE SHEET	366 884	347 956	286 229	611 740	244 856	66,7%
Contingent liabilities	262 938	262 174	223 223	392 320	129 382	49,2%
Unused credit limits opened	262 938	262 174	223 223	392 320	129 382	49,2%
Collateral on loans	46 585	42 960	46 495	200 122	153 537	329,6%
goods	46 585	42 960	46 495	200 122	153 537	329,6%
Unprocessed payments	57 361	42 822	16 511	19 298	-38 063	-66,4%
Due to lack of funds on client accounts	57 361	42 822	16 511	19 298	-38 063	-66,4%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off interest	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-