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

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	SIBKONTAKT	add to comparison
Central Bank of Russia registration number: 1915

IFRS reports

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	18 724 696	18 672 002	19 917 863	18 807 635	82 939	0,4%
High liquid assets	7 615 071	7 476 319	7 533 647	6 339 615	-1 275 456	-16,7%
Cash and equivalents	6 559 534	6 823 926	6 478 843	5 715 370	-844 164	-12,9%
Cash	1 641 318	1 831 000	1 603 487	1 659 451	18 133	1,1%
in cash and en route	1 274 795	1 412 368	1 220 374	1 263 027	-11 768	-0,9%
in exchange offices	76 355	121 864	100 073	100 935	24 580	32,2%
in operational cash offices	128 384	128 629	111 657	112 805	-15 579	-12,1%
in ATMs	161 784	168 139	171 383	182 684	20 900	12,9%
Nostro account with Central Bank	4 918 216	4 992 926	4 875 356	4 055 919	-862 297	-17,5%
Nostro accounts	824 359	389 713	808 931	373 541	-450 818	-54,7%
Non-residents	18 121	12 339	9 031	5 174	-12 947	-71,4%
Residents	806 238	377 374	799 900	368 367	-437 871	-54,3%
Money in transfer	231 178	262 680	245 873	250 704	19 526	8,4%
Exchange accounts	-	-	-	-	-	-
Interest-earning assets	564 479	883 463	1 321 524	1 379 707	815 228	144,4%
Dues from banks	40 021	160 031	330 090	23 091	-16 930	-42,3%
Residents	40 021	160 031	330 090	23 091	-16 930	-42,3%
up to 30 days	40 021	160 031	330 090	23 091	-16 930	-42,3%
Securities	16 353	60 884	69 298	70 798	54 445	332,9%
Promissory notes	16 353	60 884	69 298	70 798	54 445	332,9%
Banks	16 353	60 884	69 298	70 798	54 445	332,9%
Stocks	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Provision for impairment of stocks	-	-	-	-	-	-
Loans to corporate clients	488 724	603 020	903 384	1 266 510	777 786	159,1%
residents	478 599	563 240	810 325	1 174 735	696 136	145,5%
up to 30 days	14 396	13 920	14 736	17 716	3 320	23,1%
up to 180 days	53 055	149 395	635 317	1 022 000	968 945	1 826,3%
up to 1 year	330 568	398 200	127 260	118 500	-212 068	-64,2%
up to 3 years	80 580	1 725	3 965	16 519	-64 061	-79,5%
more than 3 years	-	-	29 047	-	-	-
state-owned enterprises	3 000	-	1 500	6 500	3 500	116,7%
up to 30 days	3 000	-	1 500	1 500	-1 500	-50,0%
up to 180 days	-	-	-	5 000	5 000	-
Past-due	5 526	32 425	477	7 032	1 506	27,3%
residents	5 526	32 425	477	7 032	1 506	27,3%
Provision for impairment of corporate loans	1 599	7 355	91 082	78 243	76 644	4 793,2%
residents	1 599	7 355	91 082	78 243	76 644	4 793,2%
Loans to private entrepreneurs	2 200	17 094	314	1 482	-718	-32,6%
up to 180 days	-	3 620	-	-	-	-
up to 1 year	550	11 700	-	1 200	650	118,2%
up to 3 years	-	1 500	-	-	-	-
Past-due	616	25	87	72	-544	-88,3%
Provision for impairment of loans to private entrepreneurs	1 034	249	227	210	-824	-79,7%
Loans to individuals	15 318	34 210	17 283	15 302	-16	-0,1%
Standard	11 659	29 103	14 841	9 929	-1 730	-14,8%
up to 30 days	1 470	3 555	1 670	1 904	434	29,5%
up to 180 days	72	9 280	101	750	678	941,7%
up to 1 year	737	2 836	1 293	3 330	2 593	351,8%
up to 3 years	1 290	1 140	3 463	502	-788	-61,1%
more than 3 years	8 090	12 292	8 314	3 443	-4 647	-57,4%
Past-due	2 581	3 107	1 758	1 285	-1 296	-50,2%
Past-due	2 581	3 107	1 758	1 285	-1 296	-50,2%
Provision for impairment of loans to individuals	1 078	2 000	684	4 088	3 010	279,2%
Provision for impairment of loans past-due	1 863	8 224	1 155	2 524	661	35,5%
Other assets	10 545 146	10 312 220	11 062 692	11 088 313	543 167	5,2%
Mandatory reserves with Central Bank	265	7 725	10 559	6 807	6 542	2 468,7%
Premises and equipment	57 165	94 334	82 027	148 661	91 496	160,1%
Purchase cost	56 379	94 334	82 027	148 047	91 668	162,6%
Depreciation	786	-	-	614	-172	-21,9%
Accrued interest not yet received	49 854	50 774	61 422	57 708	7 854	15,8%
Non-current assets	-	-	1 368	-	-	-
Other assets	10 434 384	10 153 817	10 906 121	10 862 839	428 455	4,1%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	3 478	5 570	1 195	12 298	8 820	253,6%
LIABILITIES	16 145 512	18 953 870	16 769 694	19 046 758	2 901 246	18,0%
Dues to banks	2 433 359	1 380 215	1 667 121	1 392 184	-1 041 175	-42,8%
On demand	115 312	450	6 721	20 478	-94 834	-82,2%
Residents	115 312	450	6 721	20 478	-94 834	-82,2%
Term	1 615 600	986 500	1 466 000	1 013 557	-602 043	-37,3%
Residents	1 615 600	986 500	1 466 000	1 013 557	-602 043	-37,3%
up to 30 days	1 555 600	958 500	1 066 000	996 691	-558 909	-35,9%
up to 180 days	60 000	28 000	-	15 000	-45 000	-75,0%
more than 180 days	-	-	400 000	-	-	-
Past-due	-	-	-	1 866	1 866	-
Other dues to banks	702 447	393 265	194 400	358 149	-344 298	-49,0%
On demand	5 572 231	8 207 233	6 864 774	7 640 360	2 068 129	37,1%
Corporate clients	4 565 707	7 263 903	5 975 557	6 832 585	2 266 878	49,7%
State-owned enterprises	33 786	47 914	23 815	37 939	4 153	12,3%
Residents	4 511 204	7 187 019	5 918 682	6 763 028	2 251 824	49,9%
Non-residents	20 717	28 970	33 060	31 618	10 901	52,6%
Individuals	1 006 524	943 330	889 217	807 775	-198 749	-19,7%
Residents	1 005 651	942 812	887 865	807 180	-198 471	-19,7%
Non-residents	873	518	1 352	595	-278	-31,8%
Term	451 055	368 082	327 497	539 940	88 885	19,7%
Corporate clients	50 000	10 000	11 000	54 066	4 066	8,1%
Residents	50 000	10 000	11 000	54 066	4 066	8,1%
up to 30 days	-	-	-	-	-	-
up to 180 days	31 000	-	7 000	-	-31 000	-100,0%
up to 1 year	19 000	7 000	-	25 366	6 366	33,5%
up to 3 years	-	3 000	4 000	28 700	28 700	-
more than 3 years	-	-	-	-	-	-
State-owned enterprises	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Individuals	401 055	358 082	316 497	485 874	84 819	21,1%
residents	400 229	356 005	315 717	485 111	84 882	21,2%
up to 30 days	623	3 434	311	110	-513	-82,3%
up to 180 days	102 107	91 695	110 875	200 859	98 752	96,7%
up to 1 year	184 868	163 481	118 548	169 046	-15 822	-8,6%
up to 3 years	101 336	86 899	74 308	108 341	7 005	6,9%
more than 3 years	11 295	10 496	11 675	6 755	-4 540	-40,2%
non-residents	826	2 077	780	763	-63	-7,6%
up to 30 days	1	1	1	2	1	100,0%
up to 180 days	563	715	537	204	-359	-63,8%
up to 1 year	107	1 090	72	345	238	222,4%
up to 3 years	155	271	170	212	57	36,8%
more than 3 years	-	-	-	-	-	-
Securities issued	200 451	270 276	745 932	1 257 403	1 056 952	527,3%
Promissory notes	200 451	270 276	745 932	1 257 403	1 056 952	527,3%
up to 30 days	51 161	102 476	5 000	93 317	42 156	82,4%
up to 180 days	98 000	144 000	609 000	1 157 086	1 059 086	1 080,7%
more than 180 days	51 279	23 800	131 932	7 000	-44 279	-86,3%
Discount accrued	11	-	-	-	-11	-100,0%
Other liabilities	7 488 416	8 728 064	7 164 370	8 216 871	728 455	9,7%
Other liabilities	7 460 163	8 713 948	7 140 689	8 194 324	734 161	9,8%
Accrued interest not yet paid	28 253	14 116	23 681	22 547	-5 706	-20,2%
EQUITY	327 062	273 817	587 653	596 117	269 055	82,3%
Capital	548	-	48 000	-	-548	-100,0%
Profit from previous years	101 865	250	-	-	-101 865	-100,0%
Retained earnings from previous years	101 865	250	-	-	-101 865	-100,0%
Current year profit	223 771	270 763	538 460	594 300	370 529	165,6%
Current year retained earnings	223 771	270 763	538 460	594 300	370 529	165,6%
Future expenses	878	2 804	1 193	1 817	939	106,9%
OFF-BALANCE SHEET	165 951	316 441	122 470	219 302	53 351	32,1%
Unused credit limits available	-	-	10 000	2 691	2 691	-
Contingent liabilities	42 751	204 115	49 478	60 598	17 847	41,7%
Guarantees issued	8 409	119 400	37	57	-8 352	-99,3%
Unused credit limits opened	34 342	84 715	49 441	60 541	26 199	76,3%
Collateral on loans	121 460	110 861	59 933	148 782	27 322	22,5%
goods	35 579	35 402	38 139	117 996	82 417	231,6%
securities	85 881	75 459	21 794	30 786	-55 095	-64,2%
Other off-balance sheet accounts	1 740	1 465	3 059	7 231	5 491	315,6%
Accrued interest not yet received	1 482	1 081	1 939	3 528	2 046	138,1%
Written-off interest	71	106	309	1 092	1 021	1 438,0%
Written-off loans	187	278	811	2 611	2 424	1 296,3%
Credit card balances	1 470	3 555	1 670	1 904	434	29,5%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-