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	ZHENSKAYA MIKROFINANSOVAYA SETI want to buy a report	add to comparison
Central Bank of Russia registration number: 3458

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Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

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.	01.06.2011	>> Turnover >>	01.07.2011 01.06.2011 01.05.2011 01.04.2011 01.03.2011 01.02.2011 01.01.2011 01.12.2010 01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010 01.03.2010 01.02.2010 01.01.2010 01.12.2009 01.11.2009 01.10.2009 01.09.2009	Turnover / amount	Turnover / assets	Period change
ASSETS	53 587	60 195	42 034	1,1	1,4	-11 553	-21,6%
High liquid assets	18 498	8 159	18 241	0,4	0,2	-257	-1,4%
Cash and equivalents	415	893	-	2,2	0,0	-415	-100,0%
Cash	415	893	-	2,2	0,0	-415	-100,0%
in cash and en route	415	893	-	2,2	0,0	-415	-100,0%
Nostro accounts	18 083	7 424	18 241	0,4	0,2	158	0,9%
Residents	18 083	7 424	18 241	0,4	0,2	158	0,9%
Interest-earning assets	24 888	16 298	16 436	0,7	0,4	-8 452	-34,0%
Loans to corporate clients	14 839	4 148	11 112	0,3	0,1	-3 727	-25,1%
residents	8 273	684	7 613	0,1	0,0	-660	-8,0%
up to 1 year	150	44	130	0,3	0,0	-20	-13,3%
up to 3 years	2 768	281	2 487	0,1	0,0	-281	-10,2%
more than 3 years	5 355	359	4 996	0,1	0,0	-359	-6,7%
Past-due	7 049	3 464	3 943	0,5	0,1	-3 106	-44,1%
residents	7 049	3 464	3 943	0,5	0,1	-3 106	-44,1%
Provision for impairment of corporate loans	-483	39	-444	0,1	0,0	39	-8,1%
residents	-483	39	-444	0,1	0,0	39	-8,1%
Loans to private entrepreneurs	330	10	326	0,0	0,0	-4	-1,2%
up to 3 years	331	5	326	0,0	0,0	-5	-1,5%
Past-due	-	5	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	-1	1	-	1,0	0,0	1	-100,0%
Loans to individuals	34 385	12 051	24 557	0,4	0,3	-9 828	-28,6%
Standard	15 926	8 650	9 026	0,5	0,2	-6 900	-43,3%
up to 180 days	-	150	150	-	-	150	-
up to 1 year	3 474	1 600	3 813	0,5	0,0	339	9,8%
up to 3 years	10 349	6 814	3 535	0,7	0,2	-6 814	-65,8%
more than 3 years	2 103	575	1 528	0,3	0,0	-575	-27,3%
Past-due	19 234	3 392	16 183	0,2	0,1	-3 051	-15,9%
Past-due	19 234	3 392	16 183	0,2	0,1	-3 051	-15,9%
Provision for impairment of loans to individuals	-775	132	-652	0,2	0,0	123	-15,9%
Provision for impairment of loans past-due	-24 666	5 196	-19 559	0,2	0,1	5 107	-20,7%
Other assets	10 201	35 738	7 357	3,5	0,9	-2 844	-27,9%
Mandatory reserves with Central Bank	2 589	2 546	43	1,0	0,1	-2 546	-98,3%
Premises and equipment	589	14 854	548	25,2	0,4	-41	-7,0%
Purchase cost	4 431	14 813	4 431	3,3	0,4	-	0,0%
Depreciation	-3 842	41	-3 883	0,0	0,0	-41	1,1%
Accrued interest not yet received	273	510	165	1,9	0,0	-108	-39,6%
Other assets	17 061	16 217	21 425	1,0	0,4	4 364	25,6%
Provision for impairment of other assets	-10 311	5 975	-14 824	0,6	0,1	-4 513	43,8%
LIABILITIES	28 663	31 818	18 612	1,1	0,8	-10 051	-35,1%
On demand	-	2 409	-	-	-	-	-
Corporate clients	-	2 409	-	-	-	-	-
Residents	-	2 409	-	-	-	-	-
Term	27 000	9 000	18 000	0,3	0,2	-9 000	-33,3%
Corporate clients	27 000	9 000	18 000	0,3	0,2	-9 000	-33,3%
Residents	18 000	-	18 000	0,0	0,0	-	0,0%
more than 3 years	18 000	-	18 000	0,0	0,0	-	0,0%
Non-residents	9 000	9 000	-	1,0	0,2	-9 000	-100,0%
more than 3 years	9 000	9 000	-	1,0	0,2	-9 000	-100,0%
Other liabilities	1 663	20 409	612	12,3	0,5	-1 051	-63,2%
Other liabilities	1 629	20 232	584	12,4	0,5	-1 045	-64,1%
Accrued interest not yet paid	34	177	28	5,2	0,0	-6	-17,6%
EQUITY	24 924	22 406	23 422	0,9	0,5	-1 502	-6,0%
Capital	30 047	-	30 047	0,0	0,0	-	0,0%
Profit from previous years	-13 433	13 433	-13 433	1,0	0,3	-	0,0%
Retained earnings from previous years	-13 433	13 433	-13 433	1,0	0,3	-	0,0%
Current year profit	7 683	8 955	6 199	1,2	0,2	-1 484	-19,3%
Current year retained earnings	7 683	8 955	6 199	1,2	0,2	-1 484	-19,3%
Future expenses	627	18	609	0,0	0,0	-18	-2,9%
OFF-BALANCE SHEET	41 656	13 232	29 089	0,3	0,3	-12 567	-30,2%
Collateral on loans	43 936	12 531	33 503	0,3	0,3	-10 433	-23,7%
goods	43 936	12 531	33 503	0,3	0,3	-10 433	-23,7%
Other off-balance sheet accounts	-2 280	3 139	-4 414	1,4	0,1	-2 134	93,6%
Accrued interest not yet received	17 595	2 958	15 309	0,2	0,1	-2 286	-13,0%
Written-off interest	-6 182	42	-6 169	0,0	0,0	13	-0,2%
Written-off loans	-13 693	139	-13 554	0,0	0,0	139	-1,0%
Past due ratio, total	5 172	-	5 426	0,0	0,0	254	4,9%
Past due ratio, individuals	5 470	-	6 420	0,0	0,0	950	17,4%
Past due ratio, corporates	4 601	-	3 412	0,0	0,0	-1 189	-25,8%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	4 503	-	3 318	0,0	0,0	-1 185	-26,3%

You can also get acquainted with balance sheet aggregation methodics.