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

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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. 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	2 554 348	2 554 348
High liquid assets	282 088	282 088
Cash and equivalents	277 944	277 944
Cash	224 322	224 322
in cash and en route	224 322	224 322
Nostro account with Central Bank	53 622	53 622
Nostro accounts	3 271	3 271
Residents	3 271	3 271
Money in transfer	1 443	1 443
Provision for impairment of high-liquid assets	-570	-570
Interest-earning assets	2 581 807	2 581 807
Securities	148 948	148 948
Stocks	1 326	1 326
Residents	2 289	2 289
Valuation allowance	-963	-963
Mutual funds	147 622	147 622
Loans to corporate clients	2 229 187	2 229 187
residents	2 655 101	2 655 101
up to 30 days	23 000	23 000
up to 180 days	583 076	583 076
up to 1 year	1 624 695	1 624 695
up to 3 years	424 330	424 330
Past-due	574 151	574 151
residents	574 151	574 151
Provision for impairment of corporate loans	-1 000 065	-1 000 065
residents	-1 000 065	-1 000 065
Loans to private entrepreneurs	126 400	126 400
up to 1 year	160 000	160 000
Provision for impairment of loans to private entrepreneurs	-33 600	-33 600
Loans to individuals	77 272	77 272
Standard	90 685	90 685
up to 30 days	1 527	1 527
up to 3 years	3 582	3 582
more than 3 years	85 576	85 576
Past-due	10 587	10 587
Past-due	10 587	10 587
Provision for impairment of loans to individuals	-24 000	-24 000
Other assets	-309 547	-309 547
Mandatory reserves with Central Bank	8 343	8 343
Premises and equipment	5 599	5 599
Purchase cost	8 407	8 407
Depreciation	-2 808	-2 808
Accrued interest not yet received	98 978	98 978
Other assets	43 854	43 854
Provision for impairment of other assets	-466 321	-466 321
LIABILITIES	1 517 032	1 517 032
Dues to banks	40 458	40 458
On demand	40 458	40 458
Residents	40 458	40 458
On demand	188 022	188 022
Corporate clients	179 273	179 273
Residents	170 065	170 065
Non-residents	9 208	9 208
Individuals	8 749	8 749
Residents	8 689	8 689
Non-residents	60	60
Term	1 210 552	1 210 552
Corporate clients	631 938	631 938
Residents	590 938	590 938
up to 3 years	178 973	178 973
more than 3 years	411 965	411 965
Non-residents	41 000	41 000
more than 3 years	41 000	41 000
Individuals	578 614	578 614
residents	577 314	577 314
up to 3 years	124 330	124 330
more than 3 years	452 984	452 984
non-residents	1 300	1 300
up to 3 years	100	100
more than 3 years	1 200	1 200
Securities issued	7 228	7 228
Promissory notes	7 228	7 228
on demand	920	920
up to 3 years	6 308	6 308
Other liabilities	70 772	70 772
Other liabilities	1 788	1 788
Accrued interest not yet paid	68 984	68 984
EQUITY	1 037 316	1 037 316
Capital	269 322	269 322
Profit from previous years	544 536	544 536
Retained earnings from previous years	544 536	544 536
Current year profit	-148 113	-148 113
Current year retained earnings	-148 113	-148 113
Future expenses	371 571	371 571
OFF-BALANCE SHEET	-3 154 613	-3 154 613
Contingent liabilities	-4 204 270	-4 204 270
Guarantees issued	-4 204 270	-4 204 270
Collateral on loans	1 022 250	1 022 250
goods	1 022 250	1 022 250
Unprocessed payments	1 205	1 205
Due to lack of funds on client accounts	1 205	1 205
Other off-balance sheet accounts	26 202	26 202
Accrued interest not yet received	26 202	26 202
Credit card balances	1 527	1 527
Risk-weighted assets	6 910 314	6 910 314
Reserve rates:
Customer loans, total:	-29,24%	-100,0%
including corporate loans:	-30,50%	-100,0%
including individual loans:	-23,70%	-100,0%
Past-due rate:	-16,75%	-100,0%
corporate clients:	-16,94%	-100,0%
individuals:	-10,45%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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