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

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	MAK-BANK	add to comparison
Central Bank of Russia registration number: 1088 state-controlled

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.	01.05.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 721 516	4 140 482	1 479 691	2,4	2,8	-241 825	-14,0%
High liquid assets	305 361	1 898 638	245 444	6,2	1,3	-59 917	-19,6%
Cash and equivalents	275 104	1 514 683	230 301	5,5	1,0	-44 803	-16,3%
Cash	170 786	398 981	109 044	2,3	0,3	-61 742	-36,2%
in cash and en route	170 232	396 212	108 259	2,3	0,3	-61 973	-36,4%
in ATMs	554	3 000	785	5,4	0,0	231	41,7%
Nostro account with Central Bank	104 318	1 132 641	121 257	10,9	0,8	16 939	16,2%
Nostro accounts	29 278	217 443	13 729	7,4	0,1	-15 549	-53,1%
Residents	29 278	217 443	13 729	7,4	0,1	-15 549	-53,1%
Money in transfer	980	166 947	1 415	170,4	0,1	435	44,4%
Provision for impairment of high-liquid assets	-1	-	-1	0,0	0,0	-	0,0%
Interest-earning assets	310 677	367 130	156 325	1,2	0,2	-154 352	-49,7%
Dues from banks	10 341	1 203	10 594	0,1	0,0	253	2,4%
Non-residents	10 341	1 203	10 594	0,1	0,0	253	2,4%
more than 180 days	10 341	1 203	10 594	0,1	0,0	253	2,4%
Loans to corporate clients	215 151	210 401	144 090	1,0	0,1	-71 061	-33,0%
residents	200 181	56 091	144 090	0,3	0,0	-56 091	-28,0%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	180 181	36 091	144 090	0,2	0,0	-36 091	-20,0%
more than 3 years	20 000	20 000	-	1,0	0,0	-20 000	-100,0%
Past-due	152 063	154 310	-	1,0	0,1	-152 063	-100,0%
residents	152 063	154 310	-	1,0	0,1	-152 063	-100,0%
Provision for impairment of corporate loans	-137 093	8 649	-	0,1	0,0	137 093	-100,0%
residents	-137 093	8 649	-	0,1	0,0	137 093	-100,0%
Loans to private entrepreneurs	155	1 012	-	6,5	0,0	-155	-100,0%
up to 3 years	-	-	-	-	-	-	-
Past-due	1 000	1 012	-	1,0	0,0	-1 000	-100,0%
Provision for impairment of loans to private entrepreneurs	-845	-	-	0,0	0,0	845	-100,0%
Loans to individuals	85 030	154 767	1 641	1,8	0,1	-83 389	-98,1%
Standard	125 748	124 107	1 641	1,0	0,1	-124 107	-98,7%
up to 3 years	15 530	15 530	-	1,0	0,0	-15 530	-100,0%
more than 3 years	110 218	108 577	1 641	1,0	0,1	-108 577	-98,5%
Past-due	30 415	30 660	-	1,0	0,0	-30 415	-100,0%
Past-due	30 415	30 660	-	1,0	0,0	-30 415	-100,0%
Provision for impairment of loans to individuals	-71 133	45 442	-	0,6	0,0	71 133	-100,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 105 478	1 874 714	1 077 922	1,7	1,3	-27 556	-2,5%
Mandatory reserves with Central Bank	28 300	11 432	16 868	0,4	0,0	-11 432	-40,4%
Premises and equipment	901 127	431 346	896 539	0,5	0,3	-4 588	-0,5%
Purchase cost	1 097 818	426 130	1 084 402	0,4	0,3	-13 416	-1,2%
Depreciation	-196 691	14 044	-187 863	0,1	0,0	8 828	-4,5%
Accrued interest not yet received	952	3 210	644	3,4	0,0	-308	-32,4%
Non-current assets	127 612	-	127 612	0,0	0,0	-	0,0%
Other assets	57 054	1 428 528	42 523	25,0	1,0	-14 531	-25,5%
Provision for impairment of other assets	-9 567	3 501	-6 264	0,4	0,0	3 303	-34,5%
LIABILITIES	995 695	1 510 992	734 589	1,5	1,0	-261 106	-26,2%
Dues to banks	540 003	211 056	367 649	0,4	0,1	-172 354	-31,9%
Term	540 000	203 013	367 649	0,4	0,1	-172 351	-31,9%
Residents	540 000	203 013	367 649	0,4	0,1	-172 351	-31,9%
up to 30 days	-	3 013	-	-	-	-	-
up to 180 days	540 000	200 000	367 649	0,4	0,1	-172 351	-31,9%
Other dues to banks	3	8 043	-	2 681,0	0,0	-3	-100,0%
On demand	348 710	1 149 113	250 329	3,3	0,8	-98 381	-28,2%
Corporate clients	230 623	1 089 144	167 853	4,7	0,7	-62 770	-27,2%
State-owned enterprises	2 032	29 042	1 975	14,3	0,0	-57	-2,8%
Residents	226 689	1 059 954	163 946	4,7	0,7	-62 743	-27,7%
Non-residents	1 902	178	1 932	0,1	0,0	30	1,6%
Individuals	118 087	59 969	82 476	0,5	0,0	-35 611	-30,2%
Residents	112 622	58 738	77 938	0,5	0,0	-34 684	-30,8%
Non-residents	5 465	1 231	4 538	0,2	0,0	-927	-17,0%
Term	32 683	16 877	16 476	0,5	0,0	-16 207	-49,6%
Individuals	32 683	16 877	16 476	0,5	0,0	-16 207	-49,6%
residents	32 683	16 877	16 476	0,5	0,0	-16 207	-49,6%
up to 180 days	-	-	-	-	-	-	-
up to 1 year	1 472	1	1 473	0,0	0,0	1	0,1%
up to 3 years	31 211	16 877	15 002	0,5	0,0	-16 209	-51,9%
more than 3 years	-	1	1	-	-	1	-
Other liabilities	74 299	159 782	100 135	2,2	0,1	25 836	34,8%
Other liabilities	27 804	148 848	49 194	5,4	0,1	21 390	76,9%
Accrued interest not yet paid	1 302	6 488	833	5,0	0,0	-469	-36,0%
Liabilities past-due	1	-	1	0,0	0,0	-	0,0%
Deferred tax liabilities	45 192	4 915	50 107	0,1	0,0	4 915	10,9%
EQUITY	725 822	518 432	745 102	0,7	0,4	19 280	2,7%
Capital	838 843	-	838 843	0,0	0,0	-	0,0%
Profit from previous years	-219 091	-	-219 091	0,0	0,0	-	0,0%
Retained earnings from previous years	-219 091	-	-219 091	0,0	0,0	-	0,0%
Current year profit	121 696	516 474	139 089	4,2	0,3	17 393	14,3%
Current year retained earnings	121 696	516 474	139 089	4,2	0,3	17 393	14,3%
Future expenses	-15 626	1 958	-13 739	0,1	0,0	1 887	-12,1%
OFF-BALANCE SHEET	906 770	705 327	74 602	0,8	0,5	-832 168	-91,8%
Contingent liabilities	-	-	-	-	-	-	-
Unused credit limits opened	-	-	-	-	-	-	-
Collateral on loans	691 661	667 380	24 281	1,0	0,5	-667 380	-96,5%
goods	688 891	667 380	21 511	1,0	0,5	-667 380	-96,9%
securities	2 770	-	2 770	0,0	0,0	-	0,0%
Unprocessed payments	220 549	178 085	77 297	0,8	0,1	-143 252	-65,0%
Due to lack of funds on client accounts	220 549	178 085	77 297	0,8	0,1	-143 252	-65,0%
Other off-balance sheet accounts	-5 440	26 144	-26 976	4,8	0,0	-21 536	395,9%
Accrued interest not yet received	22 318	25 261	35	1,1	0,0	-22 283	-99,8%
Written-off interest	-1 517	615	-902	0,4	0,0	615	-40,5%
Written-off loans to banks	-20 000	-	-20 000	0,0	0,0	-	0,0%
Written-off loans	-6 241	268	-6 109	0,0	0,0	132	-2,1%
Past due ratio, total	3 602	-	-	0,0	0,0	-3 602	-100,0%
Past due ratio, individuals	1 948	-	-	0,0	0,0	-1 948	-100,0%
Past due ratio, corporates	4 317	-	-	0,0	0,0	-4 317	-100,0%
Past due ratio, entrepreneurs	10 000	-	-	0,0	0,0	-10 000	-100,0%
Past due ratio, corporates + entrepreneurs	4 333	-	-	0,0	0,0	-4 333	-100,0%
Risk-weighted assets	2 892 461	-	2 721 849	0,0	0,0	-170 612	-5,9%