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	RUSSKO-GERMANSKIY TORGOVIY BANK A.O.I want to buy a report	add to comparison
Central Bank of Russia registration number: 2747

General information Emissions0

Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Aggregated balance
• Balance sheets w/o corrections
• Balance turnover
• Turnover dynamics
• Currency balance
• Form 101
• Profitability

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.	01.10.2010	>> Turnover >>	01.11.2010 01.10.2010 01.09.2010 01.08.2010 01.07.2010 01.06.2010 01.05.2010 01.04.2010 01.03.2010 01.02.2010 01.01.2010 01.12.2009 01.11.2009 01.10.2009	Turnover / amount	Turnover / assets	Period change
ASSETS	576 269	31 275 294	693 835	54,3	45,1	117 566	20,4%
High liquid assets	191 186	14 986 728	301 143	78,4	21,6	109 957	57,5%
Cash and equivalents	82 357	7 484 484	228 051	90,9	10,8	145 694	176,9%
Cash	10 364	49 430	452	4,8	0,1	-9 912	-95,6%
in cash and en route	5 373	31 950	452	5,9	0,0	-4 921	-91,6%
in ATMs	4 991	17 480	-	3,5	0,0	-4 991	-100,0%
Nostro account with Central Bank	71 993	7 444 966	227 599	103,4	10,7	155 606	216,1%
Nostro accounts	8 280	214 866	1 866	26,0	0,3	-6 414	-77,5%
Non-residents	691	4 410	778	6,4	0,0	87	12,6%
Residents	7 589	210 543	1 088	27,7	0,3	-6 501	-85,7%
Money in transfer	94 798	5 784 998	70 243	61,0	8,3	-24 555	-25,9%
Exchange accounts	5 751	1 538 117	983	267,5	2,2	-4 768	-82,9%
Interest-earning assets	296 711	3 981 562	290 568	13,4	5,7	-6 143	-2,1%
Securities	214 158	3 969 171	198 034	18,5	5,7	-16 124	-7,5%
Bonds	65 078	738	65 545	0,0	0,0	467	0,7%
Federal Loan Bonds (OFZs), OBRs	64 740	458	65 198	0,0	0,0	458	0,7%
Valuation allowance	338	280	347	0,8	0,0	9	2,7%
Stocks	149 080	3 968 900	132 489	26,6	5,7	-16 591	-11,1%
Residents	29 508	3 960 204	3 038	134,2	5,7	-26 470	-89,7%
Non-residents	117 056	8 111	118 117	0,1	0,0	1 061	0,9%
Valuation allowance	2 516	10 464	11 334	4,2	0,0	8 818	350,5%
Loans to corporate clients	13 500	10 978	23 486	0,8	0,0	9 986	74,0%
residents	13 747	10 948	23 840	0,8	0,0	10 093	73,4%
up to 30 days	5	-	5	0,0	0,0	-	0,0%
up to 3 years	-	10 000	10 000	-	-	10 000	-
more than 3 years	13 742	948	13 835	0,1	0,0	93	0,7%
Past-due	-	30	-	-	-	-	-
residents	-	30	-	-	-	-	-
Provision for impairment of corporate loans	-247	107	-354	0,4	0,0	-107	43,3%
residents	-247	107	-354	0,4	0,0	-107	43,3%
Loans to individuals	77 763	11 394	77 918	0,1	0,0	155	0,2%
Standard	100 418	10 401	99 762	0,1	0,0	-656	-0,7%
up to 180 days	8 200	8 000	200	1,0	0,0	-8 000	-97,6%
up to 1 year	29 153	8 000	37 153	0,3	0,0	8 000	27,4%
up to 3 years	17 500	-	17 500	0,0	0,0	-	0,0%
more than 3 years	45 565	2 401	44 909	0,1	0,0	-656	-1,4%
Past-due	17 146	1 554	17 880	0,1	0,0	734	4,3%
Past-due	17 146	1 554	17 880	0,1	0,0	734	4,3%
Provision for impairment of loans to individuals	-39 801	95	-39 724	0,0	0,0	77	-0,2%
Provision for impairment of loans past-due	-8 710	160	-8 870	0,0	0,0	-160	1,8%
Other assets	88 372	12 313 147	102 124	139,3	17,7	13 752	15,6%
Mandatory reserves with Central Bank	10 747	764	10 047	0,1	0,0	-700	-6,5%
Premises and equipment	9 468	3 967 678	8 918	419,1	5,7	-550	-5,8%
Purchase cost	18 430	3 967 501	18 030	215,3	5,7	-400	-2,2%
Depreciation	-8 962	177	-9 112	0,0	0,0	-150	1,7%
Accrued interest not yet received	-	166	166	-	-	166	-
Non-current assets	9 904	-	9 904	0,0	0,0	-	0,0%
Other assets	62 979	8 345 785	77 814	132,5	12,0	14 835	23,6%
Provision for impairment of other assets	-4 726	4	-4 725	0,0	0,0	1	-0,0%
LIABILITIES	494 444	18 108 781	602 260	36,6	26,1	107 816	21,8%
Dues to banks	1	923 922	2	923 922,0	1,3	1	100,0%
On demand	1	923 922	2	923 922,0	1,3	1	100,0%
Non-residents	1	923 922	2	923 922,0	1,3	1	100,0%
On demand	130 578	5 766 255	363 162	44,2	8,3	232 584	178,1%
Corporate clients	130 351	5 047 020	362 933	38,7	7,3	232 582	178,4%
Residents	104 002	5 032 844	336 916	48,4	7,3	232 914	224,0%
Non-residents	26 349	14 508	26 017	0,6	0,0	-332	-1,3%
Individuals	24	1	24	0,0	0,0	-	0,0%
Residents	24	1	24	0,0	0,0	-	0,0%
Brokerage accounts	203	719 234	205	3 543,0	1,0	2	1,0%
Residents	203	106 424	205	524,3	0,2	2	1,0%
Non-residents	-	612 810	-	-	-	-	-
Term	203 905	11 150	205 364	0,1	0,0	1 459	0,7%
Corporate clients	203 905	11 150	205 364	0,1	0,0	1 459	0,7%
Residents	43 000	-	43 000	0,0	0,0	-	0,0%
more than 3 years	43 000	-	43 000	0,0	0,0	-	0,0%
Non-residents	160 905	11 150	162 364	0,1	0,0	1 459	0,9%
more than 3 years	160 905	11 150	162 364	0,1	0,0	1 459	0,9%
Securities issued	149 102	2 966 700	23 669	19,9	4,3	-125 433	-84,1%
Promissory notes	149 102	2 966 700	23 669	19,9	4,3	-125 433	-84,1%
up to 30 days	103	-	103	0,0	0,0	-	0,0%
up to 180 days	125 433	2 966 700	-	23,7	4,3	-125 433	-100,0%
more than 180 days	23 566	-	23 566	0,0	0,0	-	0,0%
Other liabilities	10 858	8 566 982	10 063	789,0	12,3	-795	-7,3%
Other liabilities	8 838	8 566 861	7 808	969,3	12,3	-1 030	-11,7%
Accrued interest not yet paid	2 020	356	2 255	0,2	0,0	235	11,6%
EQUITY	81 825	47 930	91 575	0,6	0,1	9 750	11,9%
Capital	92 209	-	92 209	0,0	0,0	-	0,0%
Profit from previous years	-17 188	-	-17 188	0,0	0,0	-	0,0%
Retained earnings from previous years	-17 188	-	-17 188	0,0	0,0	-	0,0%
Current year profit	7 279	47 849	16 948	6,6	0,1	9 669	132,8%
Current year retained earnings	7 279	47 849	16 948	6,6	0,1	9 669	132,8%
Future expenses	-475	81	-394	0,2	0,0	81	-17,1%
OFF-BALANCE SHEET	152 303	1 401	152 748	0,0	0,0	445	0,3%
Contingent liabilities	-493	501	-921	1,0	0,0	-428	86,8%
Unused credit limits opened	-493	501	-921	1,0	0,0	-428	86,8%
Collateral on loans	148 395	-	148 395	0,0	0,0	-	0,0%
goods	148 395	-	148 395	0,0	0,0	-	0,0%
Other off-balance sheet accounts	4 401	1 328	5 274	0,3	0,0	873	19,8%
Accrued interest not yet received	15 426	1 328	16 299	0,1	0,0	873	5,7%
Written-off loans	-11 025	-	-11 025	0,0	0,0	-	0,0%
Past due ratio, total	1 306	-	1 264	0,0	0,0	-42	-3,2%
Past due ratio, individuals	1 458	-	1 520	0,0	0,0	62	4,3%
Past due ratio, corporates	-	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-	-

You can also get acquainted with balance sheet aggregation methodics.