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Report Date : |
24.11.2014 |
IDENTIFICATION DETAILS
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Name : |
CREDIT BANK OF |
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Registered Office : |
Per Lukov d 2, str 1, 107045 g Moskva |
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Country : |
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Financials (as on) : |
31.12.2013
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Date of Incorporation : |
18.08.1999 |
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Com. Reg. No.: |
1027739555282 |
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Legal Form : |
Public limited company |
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Line of Business : |
Other monetary intermediation [We tried to confirm / obtain the detailed activity but the same is
not available from any sources] |
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No. of Employees : |
4385 |
RATING & COMMENTS
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MIRA’s Rating : |
Ba |
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RATING |
STATUS |
PROPOSED CREDIT LINE |
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41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
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Status : |
Satisfactory |
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Payment Behaviour : |
No complaints |
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Litigation : |
Clear |
NOTES :
Any query related to this report can be made
on e-mail : infodept@mirainform.com
while quoting report number, name and date.
ECGC Country Risk Classification List – June 1, 2014
|
Country Name |
Previous Rating (31.03.2014) |
Current Rating (01.06.2014) |
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A2 |
B1 |
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Risk Category |
ECGC
Classification |
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Insignificant |
A1 |
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Low |
A2 |
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Moderate |
B1 |
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High |
B2 |
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Very High |
C1 |
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Restricted |
C2 |
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Off-credit |
D |
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Source
: CIA |
OAO "MOSKOVSKIY
KREDITNYY BANK"
PER LUKOV D 2, STR 1,
107045 G MOSKVA
Tel: 74957774888
Telefax: 74957974210
E-Mail: info@mkb.ru
Web: www.mkb.ru
Established on 18/08/1999 - Public limited company (OAO)
Registered on 18/11/2002, Mezhrayonnaya inspektsiya MNS Rossii ¹39 po
g.Moskve, RegNr.: 1027739555282
Tax number: 7734202860
Statistical number: 09318941
Registered RUB 14 467 761 735,-
capital
Stockholders OOO "KONTSERN "ROSSIUM" % 85
ul Vnukovskaya d 11, korpus 1l, 143000 g Odintsovo
Beginning of validity: 21.04.2014
Board of Aleksey Vladimirovich Kosyakov
directors Member of the board of directors
Darya Aleksandrovna Galkina
Member of the board of directors
Dmitriy Aleksandrovich Eremin
Member of the board of directors
Svetlana Vladimirovna Sass
Member of the board of directors
YUriy Alekseevich Ubeev
Member of the board of directors
Sole Executive Vladimir Aleksandrovich CHubar
Body Chairman of the board
General data Main activity:
Other monetary intermediation (65.12)
Full
name:
"MOSKOVSKIY KREDITNYY BANK" (otkrytoe aktsionernoe obshchestvo)
Name in foreign language:
CREDIT
BANK OF
Short
name:
Otkrytoe aktsionernoe obshchestvo "MOSKOVSKIY KREDITNYY BANK"
Residence
address:
per Lukov d 2, str 1, 107045 g Moskva
Tel:
74957774888
Telefax:
74957974210
E-Mail:
info@mkb.ru
Web:
www.mkb.ru
Employees 01/07/ 2014 4385 employees
Events, 04.09.2014 - Legal debt collection procedure
negative data
Remark:
A40-143541/2014
Remarks The solvency cannot be provided due to the
reason that OAO “MOSKOVSKIY KREDITNYI BANK” is a credit
organization.
OAO “MOSKOVSKIY KREDITNYI BANK” has the following licenses:
General license for banking operations - unlimited;
The license for the deposit and place precious metals -
unlimited.
The register of shareholders of OAO “MOSKOVSKIY KREDITNYI
BANK” is held by a private non-state registrar. The
information about shareholders is closed. List of
shareholders provided in the report was formed according to
the information from last published official “List of
affiliated persons” of the company of 30.09.2014.
According to the research, affiliation through the chairman
of OAO “MOSKOVSKIY KREDITNYI BANK”, Vladimir Aleksandrovich
Chubar, with other legal persons has not been revealed.
OAO “MOSKOVSKIY KREDITNYI BANK” participated in court cases
as claimant and collected the following amount of debt:
In 2013: 31 648 044, 42 RUB;
In 2012: 6 401 554, 75 RUB.
The company had state contracts for the total sum:
In 2014: 325 000 RUB;
In 2012: 5 558 000 RUB.
A. The enclosed balance of 2012 is originated from official source, it is
authenticated by the auditor . (31.12.2012 - 1000 RUB) - Warning! The figures
stated in the balance sheet may contain error(s).
B. The enclosed balance of 2013 is originated from official source, it is
authenticated by the auditor . (31.12.2013 - 1000 RUB) - Warning! The figures
stated in the balance sheet may contain error(s).
BALANCE SHEET A 31.12.2012
B 31.12.2013 C
1. ASSETS
Cash
10 829 487
10 312 841
Accounts of
financial
9 951 773
16 522 630
institutions in the
Central
Bank of
Required
reserves
2 545 772
2 798 987
Accounts in
financial
6 265 575
5 175 607
institutions
Net investments in
securities,
25 196 238
0
estimated at fair
value by
profit or loss
Net loans
receivable
238 849 175
350 555 351
Net investments in
securities
9 912 111
16 820 335
and other financial
assets
available for
sale
Investments in
subsidiaries 0 310 126
and associated
organizations
Net investments in
securities 0 0
held to
maturity
Fixed assets,
intangible
5 867 825
5 850 023
assets and
inventories
Other assets
3 123 942
5 841 444
>Total
assets
>309 996 126
>445 837 969
>2. LIABILITIES
Loans, deposits and
other 0 14 547 167
funds of the Central
Bank of
Liabilities to
credit
23 991 976
19 857 159
institutions
Customer accounts
(non- 212 391 211 314 456 313
financial
institutions)
Deposits of
individuals
105 735 676
133 142 464
Financial
liabilities, 0
825
estimated at fair
value by
profit or loss
Debt securities
issued
40 953 680
48 335 118
Other
liabilities
3 756 800
6 131 432
Reserves for
possible losses
657 505
2 574 076
on contingent credit
related
liabilities, other
possible
losses and
transactions with
residents of
offshore zones
>Total
liabilities
>281 741 172
>405 902 090
>3. EQUITY
Funds of
shareholders
12 677 833
14 467 762
(participants)
Treasury shares
(shares) 0 0
repurchased from
shareholders
(members)
Share premium
4 023 086
9 768 757
Reserve fund
4 313 214
4 313 214
Reassessment at fair
value of 88 482 -24 252
securities available
for sale
Reassessment of
capital assets
1 738 397
1 738 359
Retained earnings
(uncovered 239 688 5 403 981
loss) of previous
years
Retained earnings
(loss) for
5 164 254
4 268 058
the reporting
period
>Total
equity
>28 244 954
>39 935 879
4. OFF-BALANCE
SHEET
COMMITMENTS
Irrevocable
commitments of
29 268 873
26 588 704
financial
institution
Issued by
financial
40 586 746
70 165 589
institution guarantees
and
sureties
Total interest
income,
28 646 966
41 324 192
including:
from placements of
assets in 607 792 1 128 986
credit
institutions
from loans to
customers (non- 25 358 536 36 985 155
financial
institutions)
from providing
financial lease 0 0
(leasing)
from investments in
securities
2 680 638
3 210 051
Total Interest
expense,
15 979 925
24 861 765
including:
on borrowed funds of
financial 980 127 1 154 780
institutions
on borrowed funds of
clients 12 117 438 19 659 696
(non-financial
institutions)
on debt securities
issued
2 882 360
4 047 289
Net interest income
(negative
12 667 041
16 462 427
interest margin)
Total change in
reserve for
-2 476 522
-7 349 706
possible loan
losses, loan and
similar debt, funds
placed in
correspondent
accounts, as
well as accrued
interest
income,
including:
Net interest income
(negative
10 190 519
16 462 427
interest margin)
after
provision for
possible losses
Net income from
operations 234 006 263 240
with securities at
fair value
by profit or
loss
Net income from
operations 41 423 48 559
with securities,
available for
sale
Net income from
operations 6 224 -29 856
with securities held
to
maturity
Net income from
foreign -862 260 277 922
currency
transactions
Net income from
foreign 800 903 -173 838
currency revaluation
Income from
participation in 481 971
other legal
entities
Fee and commission
income 3 611 694 6 265 813
Commission
expenses
720 761
1 006 091
Change in reserve
for possible 5 765 0
losses on securities
available
for sale
Change in reserve
for possible 0 0
losses on securities
held to
maturity
Change in reserve
for other -253 709 -2 439 581
losses
Other operating
income
1 025 451
2 800 967
Net income
(loss)
14 079 736
15 120 827
Operating
expenses
6 787 421
8 560 152
Income (loss) before
taxation 7 292 315 6 560 675
Assessed (paid)
taxes
2 128 061
2 292 617
Income (loss) after
taxation
5 164 254
4 268 058
Total payments from
profit 0 0
after tax,
including:
distribution to
shareholders 0 0
(participants) in
the form of
dividends
deductions for
forming and 0 0
maintenance of a
reserve fund
Retained earnings
(loss) for
5 164 254
4 268 058
the reporting
period
A. The enclosed
balance of 2014 is originated from official source, it is
authenticated by the
auditor . (01.07.2014 - 1000 RUB) - Warning! The figures
stated in the
balance sheet may contain error(s).
balance A 01.07.2014 B C
1. ASSETS
Cash
7 567 664
Accounts of
financial
11 477 857
institutions in the
Central
Bank of
Required
reserves
3 019 383
Accounts in
financial
11 752 292
institutions
Net investments in
securities,
41 177 968
estimated at fair
value by
profit or loss
Net loans
receivable
370 794 490
Net investments in
securities 18 225 211
and other financial
assets
available for
sale
Investments in
subsidiaries
310 128
and associated
organizations
Net investments in
securities 0
held to
maturity
Fixed assets,
intangible
6 434 219
assets and
inventories
Other assets
5 290 747
>Total
assets
>473 111 771
>2.
LIABILITIES
Loans, deposits and
other
6 650 000
funds of the Central
Bank of
Liabilities to
credit
42 910 720
institutions
Customer accounts
(non-
335 027 038
financial
institutions)
Deposits of
individuals 138 222 644
Financial
liabilities,
189 100
estimated at fair
value by
profit or loss
Debt securities
issued
33 496 636
Other
liabilities
7 745 868
Reserves for
possible losses
1 570 297
on contingent credit
related
liabilities, other
possible
losses and
transactions with
residents of
offshore zones
>Total
liabilities
>427 937 292
>3. EQUITY
Funds of
shareholders
14 467 762
(participants)
Treasury shares
(shares) 0
repurchased from shareholders
(members)
Share premium
9 768 757
Reserve fund 4 313 214
Reassessment at fair
value of 7 484
securities available
for sale
Reassessment of
capital assets 1 390 533
Retained earnings
(uncovered
9 672 193
loss) of previous
years
Retained earnings
(loss) for
5 554 536
the reporting
period
>Total
equity
>45 174 479
4. OFF-BALANCE
SHEET
COMMITMENTS
Irrevocable
commitments of
109 538 455
financial
institution
Issued by
financial
61 445 751
institution
guarantees and
sureties
Total interest income, 25 407 328
including:
from placements of
assets in 545 176
credit
institutions
from loans to
customers (non-
22 519 821
financial
institutions)
from providing
financial lease 0
(leasing)
from investments in
securities
2 342 331
Total Interest
expense,
14 848 836
including:
on borrowed funds of
financial 1 074 829
institutions
on borrowed funds of
clients 11 789 760
(non-financial
institutions)
on debt securities
issued
1 984 247
Net interest income
(negative
10 558 492
interest
margin)
Total change in
reserve for
-3 590 362
possible loan
losses, loan and
similar debt, funds
placed in
correspondent
accounts, as
well as accrued
interest
income,
including:
Net interest income
(negative
6 968 130
interest margin)
after
provision for
possible losses
Net income from
operations -422 103
with securities at
fair value
by profit or
loss
Net income from
operations -47 793
with securities,
available for
sale
Net income from
operations -21 849
with securities held
to
maturity
Net income from
foreign -155 271
currency
transactions
Net income from
foreign 697 892
currency
revaluation
Income from
participation in 284
other legal
entities
Fee and commission
income
3 872 109
Commission
expenses
901 164
Change in reserve
for possible -9 841
losses on securities
available
for sale
Change in reserve
for possible 0
losses on securities
held to
maturity
Change in reserve
for other
1 069 104
losses
Other operating
income
1 269 452
Net income
(loss)
12 318 950
Operating
expenses
5 660 072
Income (loss) before
taxation 6 658 878
Assessed (paid)
taxes
1 104 342
Income (loss) after
taxation
5 554 536
Total payments from
profit 0
after tax,
including:
distribution to shareholders 0
(participants) in
the form of
dividends
deductions for
forming and 0
maintenance of a
reserve fund
Retained earnings
(loss) for
5 554 536
the reporting
period
Ratios 2012 2013
Current ratio n/a n/a
Quick ratio n/a
n/a
Average Collection n/a n/a
Period
Payables turnover n/a n/a
Period
Debt ratio n/a n/a
Equity to total assets n/a
n/a
ratio
Funding ratio n/a n/a
Return on sales n/a n/a
Return on Assets n/a n/a
Return on Equity n/a n/a
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.61.85 |
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|
1 |
Rs.97.01 |
|
Euro |
1 |
Rs.77.62 |
INFORMATION DETAILS
|
Analysis Done by
: |
SUB |
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Report Prepared
by : |
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RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
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71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
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|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
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41-55 |
Ba |
Overall
operation is considered normal. Capable to meet normal commitments. |
Satisfactory |
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26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
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11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
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<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
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-- |
NB |
New Business |
-- |
|
This score serves as a reference to assess SC’s credit risk
and to set the amount of credit to be extended. It is calculated from a
composite of weighted scores obtained from each of the major sections of this
report. The assessed factors and their relative weights (as indicated through
%) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend
(10%) Operational
size (10%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.