Kuap. Ru - Balance sheet with turnover of АГРОИНКОМБАНК, analysis of turnover of bank's accounts

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	AGROINKOMBANK	add to comparison
Central Bank of Russia registration number: 1946

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.	01.10.2015	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	1 575 170	11 624 070	156 792	7,4	74,1	-1 418 378	-90,0%
High liquid assets	182 188	3 282 977	82 178	18,0	20,9	-100 010	-54,9%
Cash and equivalents	150 923	2 049 537	79 692	13,6	13,1	-71 231	-47,2%
Cash	65 792	492 747	58 423	7,5	3,1	-7 369	-11,2%
in cash and en route	65 792	492 747	58 423	7,5	3,1	-7 369	-11,2%
Nostro account with Central Bank	85 131	1 556 790	21 269	18,3	9,9	-63 862	-75,0%
Nostro accounts	32 021	1 103 268	2 591	34,5	7,0	-29 430	-91,9%
Non-residents	28 293	39 150	1 869	1,4	0,2	-26 424	-93,4%
Residents	3 728	1 064 118	722	285,4	6,8	-3 006	-80,6%
Money in transfer	21 426	130 172	20 566	6,1	0,8	-860	-4,0%
Provision for impairment of high-liquid assets	-22 182	1 511	-20 671	0,1	0,0	1 511	-6,8%
Interest-earning assets	1 348 842	1 394 304	1 348 273	1,0	8,9	-569	-0,0%
Securities	1 295 140	1 370 885	1 337 734	1,1	8,7	42 594	3,3%
Bonds	1 295 140	1 370 885	1 337 734	1,1	8,7	42 594	3,3%
Federal Loan Bonds (OFZs), OBRs	1 254 552	1 357 804	1 336 618	1,1	8,7	82 066	6,5%
Corporate bonds	43 216	43 218	-	1,0	0,3	-43 216	-100,0%
Valuation allowance	-2 628	13 079	1 116	5,0	0,1	3 744	-142,5%
Loans to corporate clients	43 955	64 171	1 978	1,5	0,4	-41 977	-95,5%
residents	135 963	64 154	72 981	0,5	0,4	-62 982	-46,3%
up to 30 days	333	1 172	481	3,5	0,0	148	44,4%
up to 1 year	133 755	62 505	71 250	0,5	0,4	-62 505	-46,7%
up to 3 years	1 875	625	1 250	0,3	0,0	-625	-33,3%
Past-due	-	-	-	-	-	-	-
residents	-	-	-	-	-	-	-
Provision for impairment of corporate loans	-92 008	21 022	-71 003	0,2	0,1	21 005	-22,8%
residents	-92 008	21 022	-71 003	0,2	0,1	21 005	-22,8%
Loans to individuals	9 747	1 842	8 561	0,2	0,0	-1 186	-12,2%
Standard	11 168	1 397	9 771	0,1	0,0	-1 397	-12,5%
up to 1 year	-	-	-	-	-	-	-
up to 3 years	4 864	567	4 297	0,1	0,0	-567	-11,7%
more than 3 years	6 304	830	5 474	0,1	0,0	-830	-13,2%
Past-due	1 626	185	1 742	0,1	0,0	116	7,1%
Past-due	1 626	185	1 742	0,1	0,0	116	7,1%
Provision for impairment of loans to individuals	-3 047	471	-2 952	0,2	0,0	95	-3,1%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	44 140	6 946 789	-1 273 659	157,4	44,3	-1 317 799	-2 985,5%
Mandatory reserves with Central Bank	27 564	16 650	35 126	0,6	0,1	7 562	27,4%
Premises and equipment	6 085	1 304 451	5 965	214,4	8,3	-120	-2,0%
Purchase cost	13 394	1 303 921	13 361	97,4	8,3	-33	-0,2%
Depreciation	-7 309	530	-7 396	0,1	0,0	-87	1,2%
Accrued interest not yet received	756	767	108	1,0	0,0	-648	-85,7%
Other assets	10 002	4 261 873	6 113	426,1	27,2	-3 889	-38,9%
Provision for impairment of other assets	-358	1 370 610	-1 321 062	3 828,5	8,7	-1 320 704	368 911,7%
Deferred tax asset	91	-	91	0,0	0,0	-	0,0%
LIABILITIES	1 030 447	3 588 194	916 811	3,5	22,9	-113 636	-11,0%
On demand	478 163	2 454 213	288 822	5,1	15,7	-189 341	-39,6%
Corporate clients	400 095	2 374 446	216 814	5,9	15,1	-183 281	-45,8%
Residents	399 912	2 370 495	216 797	5,9	15,1	-183 115	-45,8%
Non-residents	183	3 951	17	21,6	0,0	-166	-90,7%
Individuals	78 068	79 767	72 008	1,0	0,5	-6 060	-7,8%
Residents	76 611	78 471	70 487	1,0	0,5	-6 124	-8,0%
Non-residents	1 457	1 360	1 521	0,9	0,0	64	4,4%
Term	545 219	140 822	619 569	0,3	0,9	74 350	13,6%
Corporate clients	940	60 000	60 000	63,8	0,4	59 060	6 283,0%
Residents	940	940	-	1,0	0,0	-940	-100,0%
up to 30 days	-	-	-	-	-	-	-
up to 180 days	-	-	-	-	-	-	-
up to 1 year	940	940	-	1,0	0,0	-940	-100,0%
State-owned enterprises	-	60 000	60 000	-	-	60 000	-
up to 30 days	-	60 000	60 000	-	-	60 000	-
Individuals	544 279	80 822	559 569	0,1	0,5	15 290	2,8%
residents	539 057	79 133	554 467	0,1	0,5	15 410	2,9%
up to 180 days	43 179	11 966	38 298	0,3	0,1	-4 881	-11,3%
up to 1 year	132 019	40 124	140 356	0,3	0,3	8 337	6,3%
up to 3 years	363 859	31 924	375 813	0,1	0,2	11 954	3,3%
non-residents	5 222	1 809	5 102	0,3	0,0	-120	-2,3%
up to 180 days	1 041	1 113	-	1,1	0,0	-1 041	-100,0%
up to 1 year	1 383	406	1 562	0,3	0,0	179	12,9%
up to 3 years	2 798	1 211	3 540	0,4	0,0	742	26,5%
Securities issued	-	-	-	-	-	-	-
Promissory notes	-	-	-	-	-	-	-
on demand	-	-	-	-	-	-	-
Other liabilities	7 065	1 068 864	8 420	151,3	6,8	1 355	19,2%
Other liabilities	1 359	1 062 143	2 143	781,6	6,8	784	57,7%
Accrued interest not yet paid	5 706	6 721	6 277	1,2	0,0	571	10,0%
EQUITY	544 723	1 450 103	-760 019	2,7	9,2	-1 304 742	-239,5%
Capital	477 420	-	477 420	0,0	0,0	-	0,0%
Profit from previous years	57 725	-	57 725	0,0	0,0	-	0,0%
Retained earnings from previous years	57 725	-	57 725	0,0	0,0	-	0,0%
Current year profit	10 626	1 450 025	-1 294 272	136,5	9,2	-1 304 898	-12 280,2%
Current year retained earnings	10 626	1 450 025	-1 294 272	136,5	9,2	-1 304 898	-12 280,2%
Future expenses	-1 048	234	-892	0,2	0,0	156	-14,9%
OFF-BALANCE SHEET	171 264	5 579	173 463	0,0	0,0	2 199	1,3%
Contingent liabilities	-567	1 172	-419	2,1	0,0	148	-26,1%
Unused credit limits opened	-567	1 172	-419	2,1	0,0	148	-26,1%
Collateral on loans	102 649	330	102 319	0,0	0,0	-330	-0,3%
goods	100 911	330	100 581	0,0	0,0	-330	-0,3%
securities	1 738	-	1 738	0,0	0,0	-	0,0%
Unprocessed payments	65 039	1 300	64 963	0,0	0,0	-76	-0,1%
Due to lack of funds on client accounts	65 039	1 300	64 963	0,0	0,0	-76	-0,1%
Other off-balance sheet accounts	4 143	2 853	6 600	0,7	0,0	2 457	59,3%
Accrued interest not yet received	4 630	2 853	7 087	0,6	0,0	2 457	53,1%
Written-off loans	-487	-	-487	0,0	0,0	-	0,0%
Past due ratio, total	109	-	206	0,0	0,0	97	89,0%
Past due ratio, individuals	1 271	-	1 513	0,0	0,0	242	19,0%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-