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.


Balance sheet position, thous. rub.	01.07.2020	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	15 859 042	370 651 837	14 463 646	23,4	25,6	-1 395 396	-8,8%
High liquid assets	1 260 855	72 539 804	1 829 716	57,5	5,0	568 861	45,1%
Cash and equivalents	751 380	70 738 578	1 598 552	94,1	4,9	847 172	112,7%
Cash	260 605	801 298	261 183	3,1	0,1	578	0,2%
in cash and en route	220 102	495 494	192 515	2,3	0,0	-27 587	-12,5%
in ATMs	40 503	333 391	68 668	8,2	0,0	28 165	69,5%
Nostro account with Central Bank	490 775	69 937 280	1 337 369	142,5	4,8	846 594	172,5%
Nostro accounts	322 296	783 837	65 050	2,4	0,1	-257 246	-79,8%
Non-residents	8 466	12 531	12 282	1,5	0,0	3 816	45,1%
Residents	313 830	775 122	52 768	2,5	0,1	-261 062	-83,2%
Money in transfer	187 188	1 245 062	166 118	6,7	0,1	-21 070	-11,3%
Provision for impairment of high-liquid assets	-9	50 643	-4	5 627,0	0,0	5	-55,6%
Interest-earning assets	13 328 190	53 409 068	10 674 790	4,0	3,7	-2 653 400	-19,9%
Dues from banks	2 807 247	51 817 940	907 839	18,5	3,6	-1 899 408	-67,7%
Central Bank of Russia	-	6 070 000	-	-	-	-	-
Residents	2 807 280	45 600 000	907 851	16,2	3,2	-1 899 429	-67,7%
up to 30 days	2 807 280	45 600 000	907 851	16,2	3,2	-1 899 429	-67,7%
Provision for impairment of loans to banks	-33	147 961	-12	4 483,7	0,0	21	-63,6%
Securities	7 346 084	1 238 906	6 589 315	0,2	0,1	-756 769	-10,3%
Bonds	7 346 084	1 238 906	6 589 315	0,2	0,1	-756 769	-10,3%
Federal Loan Bonds (OFZs), OBRs	2 204 652	223 506	2 112 978	0,1	0,0	-91 674	-4,2%
Corporate bonds	3 210 474	836 337	2 514 389	0,3	0,1	-696 085	-21,7%
Foreign sovereign bonds	243 579	12 454	250 433	0,1	0,0	6 854	2,8%
Corporate foreign bonds	1 596 900	169 240	1 681 389	0,1	0,0	84 489	5,3%
Valuation allowance	90 479	88 712	30 126	1,0	0,0	-60 353	-66,7%
Loans to corporate clients	1 060 173	292 193	1 128 360	0,3	0,0	68 187	6,4%
residents	1 177 434	103 754	1 198 108	0,1	0,0	20 674	1,8%
up to 1 year	-	25 058	25 058	-	-	25 058	-
up to 3 years	189 696	78 696	189 696	0,4	0,0	-	0,0%
more than 3 years	987 738	4 384	983 354	0,0	0,0	-4 384	-0,4%
state-owned enterprises	5 552	5 552	-	1,0	0,0	-5 552	-100,0%
more than 3 years	5 552	5 552	-	1,0	0,0	-5 552	-100,0%
Past-due	2 605 222	24 534	2 582 997	0,0	0,0	-22 225	-0,9%
residents	2 605 222	24 534	2 582 997	0,0	0,0	-22 225	-0,9%
Provision for impairment of corporate loans	-2 728 035	186 130	-2 652 745	0,1	0,0	75 290	-2,8%
residents	-2 725 259	183 354	-2 652 745	0,1	0,0	72 514	-2,7%
state-owned enterprises	-2 776	2 776	-	1,0	0,0	2 776	-100,0%
Loans to private entrepreneurs	48 855	18 378	34 684	0,4	0,0	-14 171	-29,0%
up to 1 year	14 361	14 361	-	1,0	0,0	-14 361	-100,0%
up to 3 years	19 200	600	18 600	0,0	0,0	-600	-3,1%
more than 3 years	51 059	1 103	49 956	0,0	0,0	-1 103	-2,2%
Past-due	1	1 540	1	1 540,0	0,0	-	0,0%
Provision for impairment of loans to private entrepreneurs	-35 766	2 667	-33 873	0,1	0,0	1 893	-5,3%
Loans to individuals	2 065 831	105 881	2 014 592	0,1	0,0	-51 239	-2,5%
Standard	2 121 366	63 818	2 069 849	0,0	0,0	-51 517	-2,4%
up to 1 year	91	30	61	0,3	0,0	-30	-33,0%
up to 3 years	1 267	60	1 207	0,0	0,0	-60	-4,7%
more than 3 years	2 120 008	63 728	2 068 581	0,0	0,0	-51 427	-2,4%
Past-due	131 330	8 840	134 384	0,1	0,0	3 054	2,3%
Past-due	131 330	8 840	134 384	0,1	0,0	3 054	2,3%
Provision for impairment of loans to individuals	-186 865	37 458	-189 641	0,2	0,0	-2 776	1,5%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	1 269 997	245 960 969	1 959 140	193,7	17,0	689 143	54,3%
Mandatory reserves with Central Bank	234 947	170 393	64 554	0,7	0,0	-170 393	-72,5%
Premises and equipment	473 783	1 084 149	461 724	2,3	0,1	-12 059	-2,5%
Purchase cost	1 023 296	1 072 319	1 023 067	1,0	0,1	-229	-0,0%
Depreciation	-549 513	11 830	-561 343	0,0	0,0	-11 830	2,2%
Accrued interest not yet received	39 563	55 937	40 952	1,4	0,0	1 389	3,5%
Other assets	1 038 579	244 549 866	2 004 556	235,5	16,9	965 977	93,0%
Provision for impairment of other assets	-555 213	285 777	-650 058	0,5	0,0	-94 845	17,1%
Derivatives - assets	11 227	93 070	10 301	8,3	0,0	-926	-8,2%
Deferred tax asset	27 111	-	27 111	0,0	0,0	-	0,0%
LIABILITIES	7 026 885	120 931 834	5 651 792	17,2	8,4	-1 375 093	-19,6%
Dues to banks	-	1 311 760	973 838	-	-	973 838	-
On demand	-	973 838	973 838	-	-	973 838	-
Residents	-	973 838	973 838	-	-	973 838	-
Term	-	337 922	-	-	-	-	-
Central Bank of Russia	-	37 922	-	-	-	-	-
up to 30 days	-	37 922	-	-	-	-	-
Residents	-	300 000	-	-	-	-	-
up to 30 days	-	300 000	-	-	-	-	-
On demand	5 772 942	21 560 255	3 585 423	3,7	1,5	-2 187 519	-37,9%
Corporate clients	3 753 030	20 680 807	1 025 826	5,5	1,4	-2 727 204	-72,7%
State-owned enterprises	359 822	322 882	64 528	0,9	0,0	-295 294	-82,1%
Residents	3 393 173	20 357 923	961 261	6,0	1,4	-2 431 912	-71,7%
Non-residents	35	4	37	0,1	0,0	2	5,7%
Individuals	2 019 912	1 419 133	2 559 597	0,7	0,1	539 685	26,7%
Residents	2 019 912	1 419 133	2 559 597	0,7	0,1	539 685	26,7%
Term	846 828	291 934	708 158	0,3	0,0	-138 670	-16,4%
Corporate clients	134 860	125 293	112 395	0,9	0,0	-22 465	-16,7%
Residents	134 860	125 293	112 395	0,9	0,0	-22 465	-16,7%
up to 30 days	15 500	102 828	23 035	6,6	0,0	7 535	48,6%
up to 180 days	30 000	30 000	-	1,0	0,0	-30 000	-100,0%
up to 1 year	80 000	-	80 000	0,0	0,0	-	0,0%
up to 3 years	9 360	-	9 360	0,0	0,0	-	0,0%
Individuals	711 968	166 641	595 763	0,2	0,0	-116 205	-16,3%
residents	709 779	166 585	593 516	0,2	0,0	-116 263	-16,4%
up to 180 days	18 643	4 553	19 714	0,2	0,0	1 071	5,7%
up to 1 year	13 868	4 961	10 379	0,4	0,0	-3 489	-25,2%
up to 3 years	674 923	158 142	560 273	0,2	0,0	-114 650	-17,0%
more than 3 years	2 345	805	3 150	0,3	0,0	805	34,3%
non-residents	2 189	114	2 247	0,1	0,0	58	2,6%
up to 3 years	2 189	114	2 247	0,1	0,0	58	2,6%
Securities issued	24	-	24	0,0	0,0	-	0,0%
Bonds	24	-	24	0,0	0,0	-	0,0%
Other liabilities	407 091	98 741 723	384 349	242,6	6,8	-22 742	-5,6%
Other liabilities	383 973	98 629 562	360 872	256,9	6,8	-23 101	-6,0%
Accrued interest not yet paid	23 118	6 647	23 477	0,3	0,0	359	1,6%
Derivatives - liabilities	-	105 873	-	-	-	-	-
EQUITY	8 832 157	6 562 099	8 811 854	0,7	0,5	-20 303	-0,2%
Capital	6 315 346	5 543 290	6 248 344	0,9	0,4	-67 002	-1,1%
Profit from previous years	2 036 051	-	2 036 051	0,0	0,0	-	0,0%
Retained earnings from previous years	2 036 051	-	2 036 051	0,0	0,0	-	0,0%
Current year profit	480 760	1 065 508	527 459	2,2	0,1	46 699	9,7%
Current year retained earnings	480 760	1 065 508	527 459	2,2	0,1	46 699	9,7%
OFF-BALANCE SHEET	18 225 097	2 157 006	18 369 909	0,1	0,1	144 812	0,8%
Unused credit limits available	5 000 000	37 922	5 000 000	0,0	0,0	-	0,0%
Contingent liabilities	-334 592	1 093 278	-911 078	3,3	0,1	-576 486	172,3%
Guarantees issued	-228 089	978 917	-715 272	4,3	0,1	-487 183	213,6%
Unused credit limits opened	-106 503	114 361	-195 806	1,1	0,0	-89 303	83,9%
Collateral on loans	13 277 206	995 274	14 028 083	0,1	0,1	750 877	5,7%
goods	11 032 055	171 680	10 875 221	0,0	0,0	-156 834	-1,4%
securities	2 245 151	980 428	3 152 862	0,4	0,1	907 711	40,4%
Unprocessed payments	283 249	30 532	253 670	0,1	0,0	-29 579	-10,4%
Due to lack of funds on client accounts	283 249	30 532	253 670	0,1	0,0	-29 579	-10,4%
Other off-balance sheet accounts	-766	-	-766	0,0	0,0	-	0,0%
Written-off loans	-766	-	-766	0,0	0,0	-	0,0%
Past due ratio, total	4 467	-	4 489	0,0	0,0	22	0,5%
Past due ratio, individuals	583	-	610	0,0	0,0	27	4,6%
Past due ratio, corporates	6 877	-	6 831	0,0	0,0	-46	-0,7%
Past due ratio, entrepreneurs	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	6 727	-	6 710	0,0	0,0	-17	-0,3%
Risk-weighted assets	15 318 167	-	15 550 803	0,0	0,0	232 636	1,5%