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

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	SPIRITBANK	add to comparison
Central Bank of Russia registration number: 2053

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.	01.04.2020	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	805 306	4 853 180	763 119	6,0	6,4	-42 187	-5,2%
High liquid assets	45 542	2 520 038	21 614	55,3	3,3	-23 928	-52,5%
Cash and equivalents	41 743	194 034	17 607	4,6	0,3	-24 136	-57,8%
Cash	14 430	54 126	7 068	3,8	0,1	-7 362	-51,0%
in cash and en route	14 430	54 126	7 068	3,8	0,1	-7 362	-51,0%
Nostro account with Central Bank	27 313	139 908	10 539	5,1	0,2	-16 774	-61,4%
Nostro accounts	3 799	2 272 403	4 007	598,2	3,0	208	5,5%
Residents	3 799	2 272 403	4 007	598,2	3,0	208	5,5%
Money in transfer	-	53 809	-	-	-	-	-
Provision for impairment of high-liquid assets	-	-	-	-	-	-	-
Interest-earning assets	630 876	2 254 383	613 903	3,6	3,0	-16 973	-2,7%
Dues from banks	500 000	2 245 000	490 000	4,5	2,9	-10 000	-2,0%
Residents	500 000	2 245 000	490 000	4,5	2,9	-10 000	-2,0%
up to 30 days	100 000	2 245 000	90 000	22,5	2,9	-10 000	-10,0%
up to 180 days	400 000	-	400 000	0,0	0,0	-	0,0%
Loans to corporate clients	43 804	2 155	42 257	0,0	0,0	-1 547	-3,5%
residents	43 441	1 579	41 862	0,0	0,0	-1 579	-3,6%
up to 180 days	1 461	600	861	0,4	0,0	-600	-41,1%
up to 1 year	534	300	234	0,6	0,0	-300	-56,2%
up to 3 years	41 446	679	40 767	0,0	0,0	-679	-1,6%
Past-due	21 572	65	21 614	0,0	0,0	42	0,2%
residents	21 572	65	21 614	0,0	0,0	42	0,2%
Provision for impairment of corporate loans	-21 209	553	-21 219	0,0	0,0	-10	0,0%
residents	-21 209	553	-21 219	0,0	0,0	-10	0,0%
Loans to private entrepreneurs	2 476	1 010	1 485	0,4	0,0	-991	-40,0%
up to 3 years	2 518	1 010	1 508	0,4	0,0	-1 010	-40,1%
Provision for impairment of loans to private entrepreneurs	-42	19	-23	0,5	0,0	19	-45,2%
Loans to individuals	84 596	6 218	80 161	0,1	0,0	-4 435	-5,2%
Standard	88 112	3 759	84 727	0,0	0,0	-3 385	-3,8%
up to 30 days	3 331	593	3 084	0,2	0,0	-247	-7,4%
up to 3 years	5 115	672	4 471	0,1	0,0	-644	-12,6%
more than 3 years	79 666	2 494	77 172	0,0	0,0	-2 494	-3,1%
Past-due	1 750	575	2 004	0,3	0,0	254	14,5%
Past-due	1 750	575	2 004	0,3	0,0	254	14,5%
Provision for impairment of loans to individuals	-5 266	2 138	-6 570	0,4	0,0	-1 304	24,8%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	128 888	78 759	127 602	0,6	0,1	-1 286	-1,0%
Mandatory reserves with Central Bank	1 638	395	1 243	0,2	0,0	-395	-24,1%
Premises and equipment	115 648	70 992	115 364	0,6	0,1	-284	-0,2%
Purchase cost	121 835	70 254	121 835	0,6	0,1	-	0,0%
Depreciation	-6 187	738	-6 471	0,1	0,0	-284	4,6%
Accrued interest not yet received	4 329	4 068	6 369	0,9	0,0	2 040	47,1%
Other assets	10 159	4 894	7 337	0,5	0,0	-2 822	-27,8%
Provision for impairment of other assets	-6 208	503	-6 155	0,1	0,0	53	-0,9%
Deferred tax asset	3 322	122	3 444	0,0	0,0	122	3,7%
LIABILITIES	401 580	245 811	365 595	0,6	0,3	-35 985	-9,0%
Dues to banks	6 000	-	6 000	0,0	0,0	-	0,0%
On demand	6 000	-	6 000	0,0	0,0	-	0,0%
Residents	6 000	-	6 000	0,0	0,0	-	0,0%
On demand	76 522	178 067	84 391	2,3	0,2	7 869	10,3%
Corporate clients	61 902	130 806	55 225	2,1	0,2	-6 677	-10,8%
Residents	61 902	130 806	55 225	2,1	0,2	-6 677	-10,8%
Individuals	14 620	53 938	29 166	3,7	0,1	14 546	99,5%
Residents	14 620	53 938	29 166	3,7	0,1	14 546	99,5%
Term	268 009	34 657	234 419	0,1	0,0	-33 590	-12,5%
Corporate clients	452	454	-	1,0	0,0	-452	-100,0%
Residents	452	454	-	1,0	0,0	-452	-100,0%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	452	454	-	1,0	0,0	-452	-100,0%
Individuals	267 557	34 203	234 419	0,1	0,0	-33 138	-12,4%
residents	267 557	34 203	234 419	0,1	0,0	-33 138	-12,4%
up to 1 year	3 022	1 070	1 973	0,4	0,0	-1 049	-34,7%
up to 3 years	264 535	33 133	232 446	0,1	0,0	-32 089	-12,1%
more than 3 years	-	-	-	-	-	-	-
Securities issued	2	-	2	0,0	0,0	-	0,0%
Depositary certificates	2	-	2	0,0	0,0	-	0,0%
up to 30 days	2	-	2	0,0	0,0	-	0,0%
Other liabilities	51 047	40 956	40 783	0,8	0,1	-10 264	-20,1%
Other liabilities	18 409	38 179	9 389	2,1	0,1	-9 020	-49,0%
Accrued interest not yet paid	21 133	2 742	19 924	0,1	0,0	-1 209	-5,7%
Deferred tax liabilities	11 505	35	11 470	0,0	0,0	-35	-0,3%
EQUITY	403 726	13 266	397 524	0,0	0,0	-6 202	-1,5%
Capital	295 247	-	295 247	0,0	0,0	-	0,0%
Profit from previous years	111 052	-	111 052	0,0	0,0	-	0,0%
Retained earnings from previous years	111 052	-	111 052	0,0	0,0	-	0,0%
Current year profit	-2 573	13 266	-8 775	5,2	0,0	-6 202	241,0%
Current year retained earnings	-2 573	13 266	-8 775	5,2	0,0	-6 202	241,0%
OFF-BALANCE SHEET	1 168 931	19 188	1 158 802	0,0	0,0	-10 129	-0,9%
Contingent liabilities	-4 325	1 580	-4 994	0,4	0,0	-669	15,5%
Unused credit limits opened	-4 325	1 580	-4 994	0,4	0,0	-669	15,5%
Collateral on loans	354 515	2 119	352 396	0,0	0,0	-2 119	-0,6%
goods	354 515	2 119	352 396	0,0	0,0	-2 119	-0,6%
Unprocessed payments	837 473	17 608	830 132	0,0	0,0	-7 341	-0,9%
Due to lack of funds on client accounts	837 473	17 608	830 132	0,0	0,0	-7 341	-0,9%
Other off-balance sheet accounts	-18 732	-	-18 732	0,0	0,0	-	0,0%
Written-off interest	-1 088	-	-1 088	0,0	0,0	-	0,0%
Written-off loans to banks	-28	-	-28	0,0	0,0	-	0,0%
Written-off loans	-17 616	-	-17 616	0,0	0,0	-	0,0%
Credit card balances	3 331	593	3 084	0,2	0,0	-247	-7,4%
Past due ratio, total	1 482	-	1 557	0,0	0,0	75	5,1%
Past due ratio, individuals	195	-	231	0,0	0,0	36	18,5%
Past due ratio, corporates	3 318	-	3 405	0,0	0,0	87	2,6%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	3 194	-	3 326	0,0	0,0	132	4,1%
Risk-weighted assets	651 231	-	639 850	0,0	0,0	-11 381	-1,7%