Kuap. Ru - Balance sheet with turnover of МОСКОВСКОЕ ИПОТЕЧНОЕ АГЕНТСТВО, analysis of turnover of bank's accounts

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	MOSKOVSKOE IPOTECHNOE AGENTSTVO	add to comparison
Central Bank of Russia registration number: 3344 retail lending, mortgage-oriented, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	426 895 224	942 636 113	480 334 728	369 256 441	-57 638 783	-13,5%
High liquid assets	85 961 277	356 210 388	105 765 013	72 539 804	-13 421 473	-15,6%
Cash and equivalents	82 438 812	350 555 442	102 094 429	70 738 578	-11 700 234	-14,2%
Cash	513 329	406 113	715 392	801 298	287 969	56,1%
in cash and en route	268 062	227 708	365 424	467 907	199 845	74,6%
in ATMs	245 267	178 405	349 968	333 391	88 124	35,9%
Nostro account with Central Bank	81 925 483	350 149 329	101 379 037	69 937 280	-11 988 203	-14,6%
Nostro accounts	1 180 534	1 830 432	745 605	526 591	-653 943	-55,4%
Non-residents	1 390	236 097	5 146	12 531	11 141	801,5%
Residents	1 179 144	1 594 335	740 459	514 060	-665 084	-56,4%
Money in transfer	2 318 248	3 804 333	2 871 606	1 223 992	-1 094 256	-47,2%
Provision for impairment of high-liquid assets	23 683	20 181	53 373	50 643	26 960	113,8%
Interest-earning assets	46 530 564	358 465 324	84 070 348	50 755 668	4 225 104	9,1%
Dues from banks	45 901 778	357 851 037	82 710 717	49 918 532	4 016 754	8,8%
Central Bank of Russia	18 900 000	301 650 000	36 950 000	6 070 000	-12 830 000	-67,9%
Residents	27 001 390	56 200 000	45 760 000	43 700 571	16 699 181	61,8%
up to 30 days	27 001 390	56 200 000	45 760 000	43 700 571	16 699 181	61,8%
Provision for impairment of loans to banks	388	1 037	717	147 961	147 573	38 034,3%
Securities	527 975	490 166	808 794	482 137	-45 838	-8,7%
Bonds	527 975	490 166	808 794	482 137	-45 838	-8,7%
Federal Loan Bonds (OFZs), OBRs	43 048	17 737	337 343	131 832	88 784	206,2%
Corporate bonds	119 176	169 862	306 630	140 252	21 076	17,7%
Foreign sovereign bonds	6 663	43 143	8 678	12 454	5 791	86,9%
Corporate foreign bonds	130 784	155 261	113 189	169 240	38 456	29,4%
Valuation allowance	228 304	104 163	42 954	28 359	-199 945	-87,6%
Loans to corporate clients	63 213	77 409	335 066	292 193	228 980	362,2%
residents	2 861	-	-	103 754	100 893	3 526,5%
up to 180 days	2 861	-	-	-	-2 861	-100,0%
up to 1 year	-	-	-	25 058	25 058	-
up to 3 years	-	-	-	78 696	78 696	-
more than 3 years	-	-	-	-	-	-
state-owned enterprises	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	37 046	4 071	27 782	2 309	-34 737	-93,8%
residents	37 046	4 071	27 782	2 309	-34 737	-93,8%
Provision for impairment of corporate loans	23 306	73 338	307 284	186 130	162 824	698,6%
residents	23 306	73 338	307 284	183 354	160 048	686,7%
state-owned enterprises	-	-	-	2 776	2 776	-
Loans to private entrepreneurs	2 855	2 005	2 738	4 207	1 352	47,4%
up to 1 year	388	-	-	-	-388	-100,0%
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Past-due	-	-	-	1 540	1 540	-
Provision for impairment of loans to private entrepreneurs	2 467	2 005	2 738	2 667	200	8,1%
Loans to individuals	34 743	44 707	213 033	58 599	23 856	68,7%
Standard	3 590	2 630	6 517	12 301	8 711	242,6%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
more than 3 years	3 590	2 630	6 517	12 301	8 711	242,6%
Past-due	4 961	4 646	14 999	8 840	3 879	78,2%
Past-due	4 961	4 646	14 999	8 840	3 879	78,2%
Provision for impairment of loans to individuals	26 192	37 431	191 517	37 458	11 266	43,0%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	294 403 383	227 960 401	290 499 367	245 960 969	-48 442 414	-16,5%
Mandatory reserves with Central Bank	-	8 105	183 627	-	-	-
Premises and equipment	809 561	264 132	728 562	1 072 090	262 529	32,4%
Purchase cost	809 561	264 022	728 562	1 072 090	262 529	32,4%
Depreciation	-	110	-	-	-	-
Accrued interest not yet received	51 342	112 954	58 281	55 937	4 595	8,9%
Other assets	293 247 309	227 358 444	289 260 983	244 549 866	-48 697 443	-16,6%
Provision for impairment of other assets	49 980	43 338	79 538	190 932	140 952	282,0%
Derivatives - assets	245 191	150 679	188 376	92 144	-153 047	-62,4%
Deferred tax asset	-	22 749	-	-	-	-
LIABILITIES	134 560 188	150 440 462	136 340 919	120 931 834	-13 628 354	-10,1%
Dues to banks	500 010	-	1 780 010	337 922	-162 088	-32,4%
On demand	100 010	-	10	-	-100 010	-100,0%
Residents	100 010	-	10	-	-100 010	-100,0%
Term	400 000	-	1 780 000	337 922	-62 078	-15,5%
Central Bank of Russia	-	-	-	37 922	37 922	-
up to 30 days	-	-	-	37 922	37 922	-
Residents	400 000	-	1 780 000	300 000	-100 000	-25,0%
up to 30 days	400 000	-	1 780 000	300 000	-100 000	-25,0%
On demand	15 716 765	58 348 552	17 856 885	21 560 255	5 843 490	37,2%
Corporate clients	15 027 598	57 633 630	17 301 110	20 680 807	5 653 209	37,6%
State-owned enterprises	20 870	4 990	423 240	322 882	302 012	1 447,1%
Residents	15 006 723	57 628 637	16 877 867	20 357 923	5 351 200	35,7%
Non-residents	5	3	3	2	-3	-60,0%
Individuals	689 167	714 922	555 775	879 448	190 281	27,6%
Residents	689 167	714 922	555 775	879 448	190 281	27,6%
Term	183 197	1 052 243	301 968	291 934	108 737	59,4%
Corporate clients	99 751	955 968	128 013	125 293	25 542	25,6%
Residents	99 751	955 968	128 013	125 293	25 542	25,6%
up to 30 days	99 751	915 968	128 013	95 293	-4 458	-4,5%
up to 180 days	-	40 000	-	30 000	30 000	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Individuals	83 446	96 275	173 955	166 641	83 195	99,7%
residents	83 294	96 176	173 866	166 585	83 291	100,0%
up to 180 days	420	1 485	16 090	3 482	3 062	729,0%
up to 1 year	2 760	2 820	6 144	4 961	2 201	79,7%
up to 3 years	67 202	78 442	142 243	158 142	90 940	135,3%
more than 3 years	12 912	13 429	9 389	-	-12 912	-100,0%
non-residents	152	99	89	56	-96	-63,2%
up to 3 years	152	99	89	56	-96	-63,2%
Securities issued	-	-	-	-	-	-
Bonds	-	-	-	-	-	-
Other liabilities	118 160 216	91 039 667	116 402 056	98 741 723	-19 418 493	-16,4%
Other liabilities	118 024 611	90 927 946	116 254 602	98 629 562	-19 395 049	-16,4%
Accrued interest not yet paid	12 646	10 923	13 597	6 288	-6 358	-50,3%
Derivatives - liabilities	122 959	79 779	133 857	105 873	-17 086	-13,9%
Deferred tax liabilities	-	21 019	-	-	-	-
EQUITY	984 989	779 415	1 251 307	6 562 099	5 577 110	566,2%
Capital	93 271	82 404	109 329	5 543 290	5 450 019	5 843,2%
Profit from previous years	-	-	299 195	-	-	-
Retained earnings from previous years	-	-	299 195	-	-	-
Current year profit	891 718	697 011	842 783	1 018 809	127 091	14,3%
Current year retained earnings	891 718	697 011	842 783	1 018 809	127 091	14,3%
OFF-BALANCE SHEET	441 910	131 687	335 224	800 064	358 154	81,0%
Unused credit limits available	-	-	-	37 922	37 922	-
Contingent liabilities	231 015	6 799	77 793	516 792	285 777	123,7%
Guarantees issued	227 721	6 799	77 793	491 734	264 013	115,9%
Unused credit limits opened	3 294	-	-	25 058	21 764	660,7%
Collateral on loans	170 084	123 735	224 118	244 397	74 313	43,7%
goods	145 610	96 610	162 285	171 680	26 070	17,9%
securities	24 474	27 125	61 833	72 717	48 243	197,1%
Unprocessed payments	40 811	1 153	33 313	953	-39 858	-97,7%
Due to lack of funds on client accounts	40 811	1 153	33 313	953	-39 858	-97,7%
Other off-balance sheet accounts	-	-	-	-	-	-
Written-off loans	-	-	-	-	-	-
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-