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

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	MIKO-BANK	add to comparison
Central Bank of Russia registration number: 3195

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	2 830 942	4 408 084	1 391 951	2 333 469	-497 473	-17,6%
High liquid assets	1 783 295	2 807 531	353 431	808 124	-975 171	-54,7%
Cash and equivalents	1 711 207	2 801 579	349 540	806 814	-904 393	-52,9%
Cash	172 268	964 463	103 835	451 833	279 565	162,3%
in cash and en route	172 268	964 463	103 835	451 833	279 565	162,3%
Nostro account with Central Bank	1 538 939	1 837 116	245 705	354 981	-1 183 958	-76,9%
Nostro accounts	71 981	5 739	3 579	1 114	-70 867	-98,5%
Residents	71 981	5 739	3 579	1 114	-70 867	-98,5%
Money in transfer	107	213	312	196	89	83,2%
Provision for impairment of high-liquid assets	-	-	-	-	-	-
Interest-earning assets	879 806	1 511 382	790 028	1 060 246	180 440	20,5%
Securities	-	130	65	-	-	-
Stocks	-	130	65	-	-	-
Residents	-	-	-	-	-	-
Valuation allowance	-	130	65	-	-	-
Mutual funds	-	-	-	-	-	-
Loans to corporate clients	851 242	1 269 334	753 118	860 977	9 735	1,1%
residents	777 105	781 945	174 749	423 583	-353 522	-45,5%
up to 30 days	119 000	38 000	11 000	23 000	-96 000	-80,7%
up to 180 days	485 500	504 315	-	86 800	-398 700	-82,1%
up to 1 year	153 605	100 000	124 249	189 383	35 778	23,3%
up to 3 years	19 000	139 630	39 500	124 400	105 400	554,7%
Past-due	-	373 805	370 900	229 700	229 700	-
residents	-	373 805	370 900	229 700	229 700	-
Provision for impairment of corporate loans	74 137	113 584	207 469	207 694	133 557	180,1%
residents	74 137	113 584	207 469	207 694	133 557	180,1%
Loans to private entrepreneurs	27 850	152 197	32 618	192 840	164 990	592,4%
up to 30 days	-	20 000	-	-	-	-
up to 180 days	27 850	54 400	-	-	-27 850	-100,0%
up to 1 year	-	71 300	-	162 100	162 100	-
Past-due	-	5 595	30 626	8 014	8 014	-
Provision for impairment of loans to private entrepreneurs	-	902	1 992	22 726	22 726	-
Loans to individuals	714	89 721	4 227	6 429	5 715	800,4%
Standard	-	89 000	-	1 527	1 527	-
up to 30 days	-	-	-	1 527	1 527	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	89 000	-	-	-	-
Past-due	253	175	3 671	3 520	3 267	1 291,3%
Past-due	253	175	3 671	3 520	3 267	1 291,3%
Provision for impairment of loans to individuals	461	546	556	1 382	921	199,8%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	167 841	89 171	248 492	465 099	297 258	177,1%
Mandatory reserves with Central Bank	-	1 265	251	-	-	-
Premises and equipment	2 172	5 951	37 665	193 578	191 406	8 812,4%
Purchase cost	1 975	5 951	35 176	193 577	191 602	9 701,4%
Depreciation	197	-	2 489	1	-196	-99,5%
Accrued interest not yet received	35 740	41 593	57 288	41 262	5 522	15,5%
Other assets	98 137	20 505	41 034	203 484	105 347	107,3%
Provision for impairment of other assets	31 792	19 857	112 254	26 775	-5 017	-15,8%
LIABILITIES	3 018 962	1 885 526	616 960	1 613 581	-1 405 381	-46,6%
Dues to banks	-	170 000	-	185 000	185 000	-
On demand	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	-	170 000	-	185 000	185 000	-
Residents	-	170 000	-	185 000	185 000	-
up to 180 days	-	170 000	-	185 000	185 000	-
On demand	2 800 877	1 601 263	518 910	1 332 693	-1 468 184	-52,4%
Corporate clients	2 587 431	1 500 888	503 622	1 318 933	-1 268 498	-49,0%
Residents	2 586 691	1 499 356	503 580	1 318 864	-1 267 827	-49,0%
Non-residents	740	1 532	42	69	-671	-90,7%
Individuals	213 446	100 375	15 288	13 760	-199 686	-93,6%
Residents	213 443	100 373	15 278	13 752	-199 691	-93,6%
Non-residents	3	2	10	8	5	166,7%
Term	119 878	65 658	37 979	39 661	-80 217	-66,9%
Corporate clients	99 463	30 783	-	-	-99 463	-100,0%
Residents	99 463	30 783	-	-	-99 463	-100,0%
up to 30 days	42 184	-	-	-	-42 184	-100,0%
up to 180 days	57 279	30 783	-	-	-57 279	-100,0%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Non-residents	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Individuals	20 415	34 875	37 979	39 661	19 246	94,3%
residents	20 415	34 875	37 979	39 661	19 246	94,3%
up to 3 years	4 800	8 631	5 910	511	-4 289	-89,4%
more than 3 years	15 615	26 244	32 069	39 150	23 535	150,7%
non-residents	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Securities issued	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-
on demand	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Other liabilities	98 207	48 605	60 071	56 227	-41 980	-42,7%
Other liabilities	97 359	41 065	55 494	50 128	-47 231	-48,5%
Accrued interest not yet paid	848	7 540	4 577	6 099	5 251	619,2%
EQUITY	339 370	1 076 307	5 225 390	405 141	65 771	19,4%
Capital	32 519	-	-	4 259	-28 260	-86,9%
Profit from previous years	-	-	2 141 819	716	716	-
Retained earnings from previous years	-	-	2 141 819	716	716	-
Current year profit	305 321	1 074 853	3 068 315	388 147	82 826	27,1%
Current year retained earnings	305 321	1 074 853	3 068 315	388 147	82 826	27,1%
Future expenses	1 530	1 454	15 256	12 019	10 489	685,6%
OFF-BALANCE SHEET	257 401	201 648	1 015 212	371 366	113 965	44,3%
Contingent liabilities	23 600	37 338	862 842	301 012	277 412	1 175,5%
Guarantees issued	23 400	838	862 842	301 012	277 612	1 186,4%
Unused credit limits opened	200	36 500	-	-	-200	-100,0%
Collateral on loans	230 620	160 261	141 902	57 917	-172 703	-74,9%
goods	230 620	160 261	141 902	57 917	-172 703	-74,9%
Unprocessed payments	251	761	106	430	179	71,3%
Due to lack of funds on client accounts	251	761	106	430	179	71,3%
Other off-balance sheet accounts	2 930	3 288	10 362	12 007	9 077	309,8%
Accrued interest not yet received	2 930	3 288	10 362	12 007	9 077	309,8%
Credit card balances	-	-	-	1 527	1 527	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-