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

	MOSKOVSKIY INDUSTRIALNIY BANK	add to comparison
Central Bank of Russia registration number: 912 under resolution, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

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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	228 885 371	228 885 371
High liquid assets	10 710 639	10 710 639
Cash and equivalents	6 830 354	6 830 354
Cash	4 484 067	4 484 067
in cash and en route	2 629 556	2 629 556
in ATMs	1 854 511	1 854 511
Nostro account with Central Bank	2 346 287	2 346 287
Nostro accounts	1 286 710	1 286 710
Non-residents	1 229 271	1 229 271
Residents	57 439	57 439
Money in transfer	2 618 527	2 618 527
Provision for impairment of high-liquid assets	-24 952	-24 952
Interest-earning assets	207 201 353	207 201 353
Loans past-due	307 406	307 406
residents	307 406	307 406
Provision for impairment of loans to banks	-307 406	-307 406
Securities	124 581 579	124 581 579
Bonds	124 493 422	124 493 422
Federal Loan Bonds (OFZs), OBRs	18 106 323	18 106 323
Corporate bonds	1 766 772	1 766 772
Financial institutions bonds	1 026 009	1 026 009
Foreign sovereign bonds	55 681	55 681
Corporate foreign bonds	3 527 043	3 527 043
Valuation allowance	-1 428 744	-1 428 744
Pledged under REPO	101 655 545	101 655 545
Past-due	1 723 900	1 723 900
Provision for impairment of bonds	-1 939 107	-1 939 107
Stocks	88 157	88 157
Residents	12 168	12 168
Non-residents	4 660	4 660
Valuation allowance	71 329	71 329
Loans to corporate clients	45 298 879	45 298 879
residents	34 999 841	34 999 841
up to 30 days	676 643	676 643
up to 180 days	8 368 269	8 368 269
up to 1 year	3 437 163	3 437 163
up to 3 years	2 792 145	2 792 145
more than 3 years	19 725 621	19 725 621
non-residents	3 160 500	3 160 500
up to 30 days	1 246 777	1 246 777
more than 3 years	1 913 723	1 913 723
state-owned enterprises	8 071 139	8 071 139
up to 180 days	846 513	846 513
up to 1 year	390 629	390 629
up to 3 years	6 385 526	6 385 526
more than 3 years	448 471	448 471
Past-due	109 366 216	109 366 216
residents	109 343 403	109 343 403
non-residents	3	3
state-owned enterprises	22 810	22 810
Provision for impairment of corporate loans	-110 298 817	-110 298 817
residents	-109 517 790	-109 517 790
non-residents	-647 553	-647 553
state-owned enterprises	-133 474	-133 474
Loans to private entrepreneurs	244 625	244 625
up to 180 days	14 000	14 000
up to 1 year	31 620	31 620
up to 3 years	23 772	23 772
more than 3 years	132 693	132 693
Past-due	1 152 065	1 152 065
Provision for impairment of loans to private entrepreneurs	-1 109 525	-1 109 525
Loans to individuals	37 076 270	37 076 270
Standard	37 820 436	37 820 436
up to 30 days	111 025	111 025
up to 180 days	26	26
up to 1 year	11 277	11 277
up to 3 years	1 371 685	1 371 685
more than 3 years	36 326 423	36 326 423
Past-due	3 456 637	3 456 637
Past-due	3 456 637	3 456 637
Provision for impairment of loans to individuals	-4 200 803	-4 200 803
Other assets	10 973 379	10 973 379
Mandatory reserves with Central Bank	4 014 078	4 014 078
Premises and equipment	15 482 637	15 482 637
Purchase cost	18 742 724	18 742 724
Depreciation	-3 260 087	-3 260 087
Accrued interest not yet received	2 590 325	2 590 325
Other assets	14 297 217	14 297 217
Investments in subsidiaries	7 000 000	7 000 000
Provision for impairment of other assets	-32 410 878	-32 410 878
LIABILITIES	234 625 011	234 625 011
Dues to banks	71 681 171	71 681 171
On demand	31 471	31 471
Residents	31 471	31 471
Term	71 649 490	71 649 490
Central Bank of Russia	59 091	59 091
more than 180 days	59 091	59 091
Residents	71 590 399	71 590 399
up to 30 days	71 590 399	71 590 399
Other dues to banks	210	210
On demand	52 987 311	52 987 311
Corporate clients	22 602 304	22 602 304
State-owned enterprises	2 019 468	2 019 468
Residents	20 434 109	20 434 109
Non-residents	148 727	148 727
Individuals	30 384 871	30 384 871
Residents	30 252 459	30 252 459
Non-residents	132 412	132 412
Brokerage accounts	136	136
Residents	136	136
Term	105 491 645	105 491 645
Corporate clients	9 194 026	9 194 026
Residents	9 055 526	9 055 526
up to 30 days	2 178 048	2 178 048
up to 180 days	4 583 742	4 583 742
up to 1 year	2 251 193	2 251 193
up to 3 years	42 543	42 543
State-owned enterprises	138 500	138 500
up to 30 days	69 000	69 000
up to 180 days	69 500	69 500
Individuals	96 297 619	96 297 619
residents	96 221 511	96 221 511
up to 180 days	4 844 677	4 844 677
up to 1 year	56 190 214	56 190 214
up to 3 years	35 009 886	35 009 886
more than 3 years	176 734	176 734
non-residents	76 108	76 108
up to 180 days	2 964	2 964
up to 1 year	43 268	43 268
up to 3 years	29 876	29 876
Securities issued	6 290	6 290
Promissory notes	1 210	1 210
more than 3 years	1 210	1 210
Depositary certificates	5 080	5 080
up to 30 days	5 080	5 080
Other liabilities	4 458 594	4 458 594
Other liabilities	2 543 242	2 543 242
Accrued interest not yet paid	1 212 112	1 212 112
Deferred tax liabilities	703 240	703 240
EQUITY	-5 739 639	-5 739 639
Capital	5 117 054	5 117 054
Profit from previous years	-12 696 687	-12 696 687
Retained earnings from previous years	-12 696 687	-12 696 687
Current year profit	1 839 994	1 839 994
Current year retained earnings	1 839 994	1 839 994
OFF-BALANCE SHEET	98 576 347	98 576 347
Unused credit limits available	19 441	19 441
Contingent liabilities	-51 668 653	-51 668 653
Guarantees issued	-18 429 270	-18 429 270
Unused credit limits opened	-25 463 424	-25 463 424
Unused guarantee limits	-7 775 959	-7 775 959
Collateral on loans	128 569 636	128 569 636
goods	97 035 929	97 035 929
securities	31 533 707	31 533 707
Unprocessed payments	23 167 081	23 167 081
Due to lack of funds on client accounts	23 167 081	23 167 081
Other off-balance sheet accounts	-1 511 158	-1 511 158
Written-off interest	-53 041	-53 041
Written-off loans to banks	-14	-14
Written-off loans	-1 458 103	-1 458 103
Credit card balances	111 025	111 025
Reserve rates:
Customer loans, total:	-58,25%	-100,0%
including corporate loans:	-70,98%	-100,0%
including individual loans:	-10,18%	-100,0%
Past-due rate:	-57,50%	-100,0%
corporate clients:	-70,42%	-100,0%
individuals:	-8,37%	-100,0%