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

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	MOY BANK. IPOTEKA	add to comparison
Central Bank of Russia registration number: 2436

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.	01.02.2014	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	4 255 971	24 538 789	785 955	5,8	31,2	-3 470 016	-81,5%
High liquid assets	227 562	4 012 673	70 064	17,6	5,1	-157 498	-69,2%
Cash and equivalents	44 831	498 133	22 659	11,1	0,6	-22 172	-49,5%
Cash	43 867	295 239	9 862	6,7	0,4	-34 005	-77,5%
in cash and en route	36 219	287 290	9 862	7,9	0,4	-26 357	-72,8%
in ATMs	7 648	7 949	-	1,0	0,0	-7 648	-100,0%
Nostro account with Central Bank	964	214 727	12 797	222,7	0,3	11 833	1 227,5%
Nostro accounts	347 398	3 327 273	372 064	9,6	4,2	24 666	7,1%
Residents	347 398	3 327 273	372 064	9,6	4,2	24 666	7,1%
Money in transfer	3 795	50 534	6 645	13,3	0,1	2 850	75,1%
Provision for impairment of high-liquid assets	-168 462	164 249	-331 304	1,0	0,2	-162 842	96,7%
Interest-earning assets	2 306 858	2 018 534	471 051	0,9	2,6	-1 835 807	-79,6%
Dues from banks	3 100	156	3 158	0,1	0,0	58	1,9%
Residents	3 100	156	3 158	0,1	0,0	58	1,9%
up to 30 days	3 100	156	3 158	0,1	0,0	58	1,9%
Securities	203 560	266	203 294	0,0	0,0	-266	-0,1%
Bonds	-	-	-	-	-	-	-
Corporate bonds	-	-	-	-	-	-	-
Valuation allowance	-	-	-	-	-	-	-
Promissory notes	155 498	-	155 498	0,0	0,0	-	0,0%
Corporate	199 356	-	199 356	0,0	0,0	-	0,0%
Provision for impairment of promissory notes	-43 858	-	-43 858	0,0	0,0	-	0,0%
Stocks	48 062	266	47 796	0,0	0,0	-266	-0,6%
Residents	60 501	-	60 501	0,0	0,0	-	0,0%
Provision for impairment of stocks	-12 439	266	-12 705	0,0	0,0	-266	2,1%
Loans to corporate clients	991 593	1 095 647	8 501	1,1	1,4	-983 092	-99,1%
residents	960 174	1 035 666	1 492	1,1	1,3	-958 682	-99,8%
up to 30 days	36 132	38 451	-	1,1	0,0	-36 132	-100,0%
up to 180 days	72 767	72 767	-	1,0	0,1	-72 767	-100,0%
up to 1 year	262 636	266 320	-	1,0	0,3	-262 636	-100,0%
up to 3 years	515 424	583 943	1 492	1,1	0,7	-513 932	-99,7%
more than 3 years	73 215	74 185	-	1,0	0,1	-73 215	-100,0%
state-owned enterprises	28 729	28 729	-	1,0	0,0	-28 729	-100,0%
up to 180 days	28 729	28 729	-	1,0	0,0	-28 729	-100,0%
Past-due	46 894	29 474	23 571	0,6	0,0	-23 323	-49,7%
residents	46 894	29 474	23 571	0,6	0,0	-23 323	-49,7%
Provision for impairment of corporate loans	-44 204	20 878	-16 562	0,5	0,0	27 642	-62,5%
residents	-44 204	20 878	-16 562	0,5	0,0	27 642	-62,5%
Loans to private entrepreneurs	24 283	25 586	443	1,1	0,0	-23 840	-98,2%
up to 180 days	1 800	1 800	-	1,0	0,0	-1 800	-100,0%
up to 1 year	1 220	1 220	-	1,0	0,0	-1 220	-100,0%
up to 3 years	17 970	17 404	566	1,0	0,0	-17 404	-96,9%
more than 3 years	3 084	3 084	-	1,0	0,0	-3 084	-100,0%
Past-due	1 601	1 365	504	0,9	0,0	-1 097	-68,5%
Provision for impairment of loans to private entrepreneurs	-1 392	989	-627	0,7	0,0	765	-55,0%
Loans to individuals	1 084 322	896 937	255 655	0,8	1,1	-828 667	-76,4%
Standard	1 245 240	831 406	418 936	0,7	1,1	-826 304	-66,4%
up to 30 days	13 925	11 167	3 148	0,8	0,0	-10 777	-77,4%
up to 180 days	15	15	-	1,0	0,0	-15	-100,0%
up to 1 year	748	635	113	0,8	0,0	-635	-84,9%
up to 3 years	86 980	69 235	17 780	0,8	0,1	-69 200	-79,6%
more than 3 years	1 143 572	750 354	397 895	0,7	1,0	-745 677	-65,2%
Past-due	95 188	38 289	88 017	0,4	0,0	-7 171	-7,5%
Past-due	95 188	38 289	88 017	0,4	0,0	-7 171	-7,5%
Provision for impairment of loans to individuals	-256 106	41 081	-251 298	0,2	0,1	4 808	-1,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 721 551	18 507 582	244 840	10,8	23,5	-1 476 711	-85,8%
Mandatory reserves with Central Bank	143 212	9 126	134 086	0,1	0,0	-9 126	-6,4%
Premises and equipment	344 356	8 397 644	19 748	24,4	10,7	-324 608	-94,3%
Purchase cost	437 303	8 396 594	76 873	19,2	10,7	-360 430	-82,4%
Depreciation	-92 947	36 872	-57 125	0,4	0,0	35 822	-38,5%
Accrued interest not yet received	21 301	54 525	4 402	2,6	0,1	-16 899	-79,3%
Non-current assets	35 091	-	35 091	0,0	0,0	-	0,0%
Other assets	1 254 138	9 768 487	113 576	7,8	12,4	-1 140 562	-90,9%
Provision for impairment of other assets	-78 307	292 284	-62 063	3,7	0,4	16 244	-20,7%
Derivatives - assets	1 760	1 760	-	1,0	0,0	-1 760	-100,0%
LIABILITIES	3 976 930	10 852 188	671 664	2,7	13,8	-3 305 266	-83,1%
Dues to banks	74 752	45 703	60 000	0,6	0,1	-14 752	-19,7%
On demand	4 854	4 854	-	1,0	0,0	-4 854	-100,0%
Residents	4 854	4 854	-	1,0	0,0	-4 854	-100,0%
Term	60 000	-	60 000	0,0	0,0	-	0,0%
Residents	60 000	-	60 000	0,0	0,0	-	0,0%
more than 180 days	60 000	-	60 000	0,0	0,0	-	0,0%
Other dues to banks	9 898	40 849	-	4,1	0,1	-9 898	-100,0%
On demand	205 368	425 605	79 647	2,1	0,5	-125 721	-61,2%
Corporate clients	133 284	260 488	78 060	2,0	0,3	-55 224	-41,4%
State-owned enterprises	16	333	2	20,8	0,0	-14	-87,5%
Residents	133 264	259 758	78 054	1,9	0,3	-55 210	-41,4%
Non-residents	4	397	4	99,3	0,0	-	0,0%
Individuals	72 084	165 117	1 587	2,3	0,2	-70 497	-97,8%
Residents	72 025	165 050	1 587	2,3	0,2	-70 438	-97,8%
Non-residents	59	67	-	1,1	0,0	-59	-100,0%
Term	3 627 373	3 600 625	254 128	1,0	4,6	-3 373 245	-93,0%
Corporate clients	396 482	150 415	246 579	0,4	0,2	-149 903	-37,8%
Residents	396 482	150 415	246 579	0,4	0,2	-149 903	-37,8%
up to 180 days	25 400	25 403	-	1,0	0,0	-25 400	-100,0%
up to 1 year	6 091	6 071	38	1,0	0,0	-6 053	-99,4%
up to 3 years	329 462	116 015	213 938	0,4	0,1	-115 524	-35,1%
more than 3 years	35 529	2 926	32 603	0,1	0,0	-2 926	-8,2%
Individuals	3 230 891	3 450 210	7 549	1,1	4,4	-3 223 342	-99,8%
residents	3 227 653	3 446 809	7 549	1,1	4,4	-3 220 104	-99,8%
up to 180 days	16 705	20 624	-	1,2	0,0	-16 705	-100,0%
up to 1 year	89 343	94 293	-	1,1	0,1	-89 343	-100,0%
up to 3 years	2 058 857	2 105 101	-	1,0	2,7	-2 058 857	-100,0%
more than 3 years	1 062 748	1 226 791	7 549	1,2	1,6	-1 055 199	-99,3%
non-residents	3 238	3 401	-	1,1	0,0	-3 238	-100,0%
up to 3 years	961	967	-	1,0	0,0	-961	-100,0%
more than 3 years	2 277	2 434	-	1,1	0,0	-2 277	-100,0%
Securities issued	23 136	22 851	285	1,0	0,0	-22 851	-98,8%
Promissory notes	23 136	22 851	285	1,0	0,0	-22 851	-98,8%
up to 180 days	1 451	1 451	-	1,0	0,0	-1 451	-100,0%
up to 1 year	1 400	1 400	-	1,0	0,0	-1 400	-100,0%
up to 3 years	20 285	20 000	285	1,0	0,0	-20 000	-98,6%
Other liabilities	46 301	6 988 707	277 604	150,9	8,9	231 303	499,6%
Other liabilities	39 846	6 744 352	93 111	169,3	8,6	53 265	133,7%
Accrued interest not yet paid	6 455	12 068	2 172	1,9	0,0	-4 283	-66,4%
Liabilities past-due	-	236 570	182 321	-	-	182 321	-
EQUITY	279 041	828 660	114 291	3,0	1,1	-164 750	-59,0%
Capital	323 351	226 448	134 426	0,7	0,3	-188 925	-58,4%
Profit from previous years	158 675	191 655	348 335	1,2	0,2	189 660	119,5%
Retained earnings from previous years	158 675	191 655	348 335	1,2	0,2	189 660	119,5%
Current year profit	-202 780	600 143	-368 287	3,0	0,8	-165 507	81,6%
Current year retained earnings	-202 780	600 143	-368 287	3,0	0,8	-165 507	81,6%
Future expenses	-205	96	-183	0,5	0,0	22	-10,7%
OFF-BALANCE SHEET	4 017 811	4 286 333	396 007	1,1	5,5	-3 621 804	-90,1%
Contingent liabilities	-484 336	327 885	-178 128	0,7	0,4	306 208	-63,2%
Guarantees issued	-15 181	7 308	-11 221	0,5	0,0	3 960	-26,1%
Unused credit limits opened	-469 155	320 577	-166 907	0,7	0,4	302 248	-64,4%
Collateral on loans	4 432 346	3 947 830	501 247	0,9	5,0	-3 931 099	-88,7%
goods	3 321 369	3 034 299	289 220	0,9	3,9	-3 032 149	-91,3%
securities	1 110 977	913 531	212 027	0,8	1,2	-898 950	-80,9%
Other off-balance sheet accounts	69 801	10 618	72 888	0,2	0,0	3 087	4,4%
Accrued interest not yet received	71 447	9 441	75 710	0,1	0,0	4 263	6,0%
Written-off interest	-415	-	-415	0,0	0,0	-	0,0%
Written-off loans	-1 231	1 177	-2 407	1,0	0,0	-1 176	95,5%
Credit card balances	13 925	11 167	3 148	0,8	0,0	-10 777	-77,4%
Past due ratio, total	598	-	2 103	0,0	0,0	1 505	251,7%
Past due ratio, individuals	710	-	1 736	0,0	0,0	1 026	144,5%
Past due ratio, corporates	453	-	9 405	0,0	0,0	8 952	1 976,2%
Past due ratio, entrepreneurs	624	-	4 710	0,0	0,0	4 086	654,8%
Past due ratio, corporates + entrepreneurs	457	-	9 212	0,0	0,0	8 755	1 915,8%