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

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	CETELEM BANK	add to comparison
Central Bank of Russia registration number: 2168 state-controlled, 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.


Balance sheet position, thous. rub.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	174 604 612	164 476 940	177 072 644	0,9	0,9	2 468 032	1,4%
High liquid assets	1 093 172	85 926 189	1 014 646	78,6	0,5	-78 526	-7,2%
Cash and equivalents	690 697	70 265 342	839 177	101,7	0,4	148 480	21,5%
Cash	9 089	566 232	60 533	62,3	0,0	51 444	566,0%
in cash and en route	9 089	566 232	60 533	62,3	0,0	51 444	566,0%
Nostro account with Central Bank	681 608	69 699 110	778 644	102,3	0,4	97 036	14,2%
Nostro accounts	11 774	6 887 863	6 688	585,0	0,0	-5 086	-43,2%
Residents	11 774	6 887 863	6 688	585,0	0,0	-5 086	-43,2%
Money in transfer	390 701	8 921 464	168 781	22,8	0,1	-221 920	-56,8%
Interest-earning assets	162 673 145	70 201 471	164 906 495	0,4	0,4	2 233 350	1,4%
Dues from banks	3 014 979	56 135 000	1 729 988	18,6	0,3	-1 284 991	-42,6%
Residents	3 015 000	56 135 000	1 730 000	18,6	0,3	-1 285 000	-42,6%
up to 30 days	3 015 000	56 135 000	1 730 000	18,6	0,3	-1 285 000	-42,6%
Provision for impairment of loans to banks	-21	9	-12	0,4	0,0	9	-42,9%
Loans to corporate clients	28 203	20 002	27 021	0,7	0,0	-1 182	-4,2%
residents	28 795	-	28 795	0,0	0,0	-	0,0%
up to 1 year	100	-	100	0,0	0,0	-	0,0%
more than 3 years	28 695	-	28 695	0,0	0,0	-	0,0%
Past-due	5 743	19 995	78	3,5	0,0	-5 665	-98,6%
residents	5 743	19 995	78	3,5	0,0	-5 665	-98,6%
Provision for impairment of corporate loans	-6 335	7	-1 852	0,0	0,0	4 483	-70,8%
residents	-19 772	7	-15 289	0,0	0,0	4 483	-22,7%
state-owned enterprises	13 437	-	13 437	0,0	0,0	-	0,0%
Loans to individuals	159 629 963	15 337 128	163 149 486	0,1	0,1	3 519 523	2,2%
Standard	160 213 245	12 063 492	163 625 069	0,1	0,1	3 411 824	2,1%
up to 30 days	19 526	3 253	18 136	0,2	0,0	-1 390	-7,1%
up to 180 days	306	308	253	1,0	0,0	-53	-17,3%
up to 1 year	76 710	17 619	82 923	0,2	0,0	6 213	8,1%
up to 3 years	7 255 029	720 960	7 189 351	0,1	0,0	-65 678	-0,9%
more than 3 years	152 861 674	11 388 473	156 334 406	0,1	0,1	3 472 732	2,3%
Past-due	10 558 181	1 011 572	11 015 927	0,1	0,0	457 746	4,3%
Past-due	10 558 181	1 011 572	11 015 927	0,1	0,0	457 746	4,3%
Provision for impairment of loans to individuals	-11 141 463	2 607 625	-11 491 510	0,2	0,0	-350 047	3,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	10 838 295	8 427 806	11 151 503	0,8	0,0	313 208	2,9%
Mandatory reserves with Central Bank	44 527	5 092	49 619	0,1	0,0	5 092	11,4%
Premises and equipment	1 314 563	4 511 153	1 293 574	3,4	0,0	-20 989	-1,6%
Purchase cost	3 663 364	4 488 629	3 688 704	1,2	0,0	25 340	0,7%
Depreciation	-2 348 801	47 864	-2 395 130	0,0	0,0	-46 329	2,0%
Accrued interest not yet received	1 292 463	2 040 886	1 216 503	1,6	0,0	-75 960	-5,9%
Other assets	8 634 508	1 424 352	9 048 542	0,2	0,0	414 034	4,8%
Provision for impairment of other assets	-447 766	552 241	-456 735	1,2	0,0	-8 969	2,0%
LIABILITIES	142 947 033	50 290 363	145 235 127	0,4	0,3	2 288 094	1,6%
Dues to banks	133 500 000	5 711 580	136 005 943	0,0	0,0	2 505 943	1,9%
Term	133 500 000	5 500 000	136 000 000	0,0	0,0	2 500 000	1,9%
Residents	133 500 000	5 500 000	136 000 000	0,0	0,0	2 500 000	1,9%
up to 180 days	-	-	-	-	-	-	-
more than 180 days	133 500 000	5 500 000	136 000 000	0,0	0,0	2 500 000	1,9%
Other dues to banks	-	211 580	5 943	-	-	5 943	-
On demand	5 430 447	31 514 055	5 322 926	5,8	0,2	-107 521	-2,0%
Corporate clients	313 025	7 429 568	754 005	23,7	0,0	440 980	140,9%
Residents	313 025	7 429 568	754 005	23,7	0,0	440 980	140,9%
Individuals	5 117 422	24 525 467	4 568 921	4,8	0,1	-548 501	-10,7%
Residents	5 117 422	24 525 467	4 568 921	4,8	0,1	-548 501	-10,7%
Other liabilities	4 016 586	13 282 577	3 906 258	3,3	0,1	-110 328	-2,7%
Other liabilities	2 681 034	12 270 010	2 670 381	4,6	0,1	-10 653	-0,4%
Accrued interest not yet paid	406 825	1 012 567	259 906	2,5	0,0	-146 919	-36,1%
Deferred tax liabilities	928 727	47 244	975 971	0,1	0,0	47 244	5,1%
EQUITY	31 657 579	163 660 647	31 837 517	5,2	0,9	179 938	0,6%
Capital	18 347 414	-	18 347 414	0,0	0,0	-	0,0%
Profit from previous years	10 521 615	121 790 791	13 208 759	11,6	0,7	2 687 144	25,5%
Retained earnings from previous years	10 521 615	121 790 791	13 208 759	11,6	0,7	2 687 144	25,5%
Current year profit	2 788 550	44 377 062	281 344	15,9	0,3	-2 507 206	-89,9%
Current year retained earnings	2 788 550	44 377 062	281 344	15,9	0,3	-2 507 206	-89,9%
OFF-BALANCE SHEET	396 286 766	19 426 615	401 630 399	0,0	0,1	5 343 633	1,3%
Unused credit limits available	198 000 000	-	198 000 000	0,0	0,0	-	0,0%
Contingent liabilities	-11 359 832	3 944 092	-11 136 850	0,3	0,0	222 982	-2,0%
Unused credit limits opened	-11 359 832	3 944 092	-11 136 850	0,3	0,0	222 982	-2,0%
Collateral on loans	209 897 953	15 705 504	215 018 603	0,1	0,1	5 120 650	2,4%
goods	209 897 953	15 705 504	215 018 603	0,1	0,1	5 120 650	2,4%
Unprocessed payments	3	-	3	0,0	0,0	-	0,0%
Due to lack of funds on client accounts	3	-	3	0,0	0,0	-	0,0%
Other off-balance sheet accounts	-251 358	1	-251 357	0,0	0,0	1	-0,0%
Written-off interest	-90 662	-	-90 662	0,0	0,0	-	0,0%
Written-off loans	-160 696	1	-160 695	0,0	0,0	1	-0,0%
Credit card balances	19 526	3 253	18 136	0,2	0,0	-1 390	-7,1%
Past due ratio, total	618	-	631	0,0	0,0	13	2,1%
Past due ratio, individuals	618	-	631	0,0	0,0	13	2,1%
Past due ratio, corporates	1 663	-	27	0,0	0,0	-1 636	-98,4%
Past due ratio, corporates + entrepreneurs	1 663	-	27	0,0	0,0	-1 636	-98,4%
Risk-weighted assets	184 807 974	-	189 016 423	0,0	0,0	4 208 449	2,3%