Kuap. Ru - Balance sheet of МИРАФ-БАНК, analysis of f.101

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	MIRAF-BANK	add to comparison
Central Bank of Russia registration number: 2244

On this page you can see aggregated balance sheet of the bank. Click on any amount to get details. To compare with the other date choose it from the list. To view dynamics on the chart click on the icon on the right (opens in new window, requires flash-player). You can also get acquainted with balance sheet aggregation methodics.

This variant of balance sheet is adjusted to include the following corrections (as compared to f. 101):- provision for impairment on overdue loans which according to 385-p are not divided to corporate and individuals, are distributed between corporate cliens and individuals proportionaly to amount of loans past due. Such method is not 100% precise but it allows to better measure provision rate.


Balance sheet position, thous. rub.			Period change
ASSETS	5 201 166	5 201 166
High liquid assets	90 046	90 046
Cash and equivalents	71 778	71 778
Cash	69 163	69 163
in cash and en route	69 136	69 136
in ATMs	27	27
Nostro account with Central Bank	2 615	2 615
Nostro accounts	7 376	7 376
Residents	7 376	7 376
Money in transfer	10 916	10 916
Provision for impairment of high-liquid assets	-24	-24
Interest-earning assets	4 633 650	4 633 650
Dues from banks	130 473	130 473
Non-residents	130 473	130 473
up to 180 days	130 473	130 473
Securities	1 331 180	1 331 180
Bonds	777 509	777 509
Federal Loan Bonds (OFZs), OBRs	252 107	252 107
Corporate bonds	125 517	125 517
Valuation allowance	-2 616	-2 616
Pledged under REPO	402 501	402 501
Promissory notes	553 671	553 671
Corporate	477 785	477 785
Banks	120 000	120 000
Provision for impairment of promissory notes	-44 114	-44 114
Loans to corporate clients	2 878 375	2 878 375
residents	3 046 366	3 046 366
up to 30 days	121 925	121 925
up to 180 days	41 456	41 456
up to 1 year	1 939 514	1 939 514
up to 3 years	844 741	844 741
more than 3 years	98 730	98 730
Past-due	76 539	76 539
residents	76 539	76 539
Provision for impairment of corporate loans	-244 530	-244 530
residents	-244 530	-244 530
Loans to private entrepreneurs	22 338	22 338
up to 30 days	5 463	5 463
up to 3 years	11 128	11 128
more than 3 years	5 353	5 353
Past-due	2 236	2 236
Provision for impairment of loans to private entrepreneurs	-1 842	-1 842
Loans to individuals	271 284	271 284
Standard	283 692	283 692
up to 30 days	7 609	7 609
up to 180 days	1	1
up to 1 year	49 963	49 963
up to 3 years	75 939	75 939
more than 3 years	150 180	150 180
Past-due	25 042	25 042
Past-due	25 042	25 042
Provision for impairment of loans to individuals	-37 450	-37 450
Other assets	477 470	477 470
Mandatory reserves with Central Bank	131 165	131 165
Premises and equipment	119 272	119 272
Purchase cost	145 384	145 384
Depreciation	-26 112	-26 112
Accrued interest not yet received	50 235	50 235
Non-current assets	7 467	7 467
Other assets	192 666	192 666
Provision for impairment of other assets	-23 530	-23 530
Deferred tax asset	195	195
LIABILITIES	4 857 825	4 857 825
Dues to banks	12 340	12 340
On demand	12 340	12 340
Non-residents	12 340	12 340
On demand	731 415	731 415
Corporate clients	645 397	645 397
State-owned enterprises	1 382	1 382
Residents	332 261	332 261
Non-residents	311 754	311 754
Individuals	86 018	86 018
Residents	84 491	84 491
Non-residents	1 527	1 527
Term	4 046 266	4 046 266
Corporate clients	1 246 396	1 246 396
Residents	1 246 396	1 246 396
up to 180 days	269 983	269 983
up to 1 year	5 187	5 187
more than 3 years	971 226	971 226
Individuals	2 799 870	2 799 870
residents	2 784 844	2 784 844
up to 180 days	207 605	207 605
up to 1 year	86 520	86 520
up to 3 years	2 490 710	2 490 710
more than 3 years	9	9
non-residents	15 026	15 026
up to 180 days	6 580	6 580
up to 1 year	38	38
up to 3 years	8 408	8 408
Securities issued	33 326	33 326
Promissory notes	33 326	33 326
on demand	156	156
up to 3 years	34 972	34 972
more than 3 years	210	210
Discount accrued	-2 012	-2 012
Other liabilities	34 478	34 478
Other liabilities	9 118	9 118
Accrued interest not yet paid	25 360	25 360
EQUITY	343 340	343 340
Capital	275 457	275 457
Profit from previous years	91 082	91 082
Retained earnings from previous years	91 082	91 082
Current year profit	-19 411	-19 411
Current year retained earnings	-19 411	-19 411
Future expenses	-3 788	-3 788
OFF-BALANCE SHEET	4 904 139	4 904 139
Contingent liabilities	-85 791	-85 791
Guarantees issued	-50 389	-50 389
Unused credit limits opened	-35 402	-35 402
Collateral on loans	2 771 837	2 771 837
goods	2 615 429	2 615 429
securities	156 408	156 408
Unprocessed payments	2 217 430	2 217 430
Due to lack of funds on client accounts	2 217 430	2 217 430
Other off-balance sheet accounts	663	663
Accrued interest not yet received	7 465	7 465
Written-off interest	-210	-210
Written-off loans	-6 592	-6 592
Credit card balances	7 609	7 609
Risk-weighted assets	5 749 241	5 749 241
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-8,16%	-100,0%
including corporate loans:	-7,83%	-100,0%
including individual loans:	-12,13%	-100,0%
Past-due rate:	-3,00%	-100,0%
corporate clients:	-2,50%	-100,0%
individuals:	-8,11%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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