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

	UNICREDIT BANK	add to comparison
Central Bank of Russia registration number: 1 foreign-controlled, CB RF representative, systemically important, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies), complies with 185-FZ (work with housing and utilities infrastructure)

On this page you can see aggregated balance sheet of the bank. Click on any amount to get details. To compare with the other date choose it from the list. To view dynamics on the chart click on the icon on the right (opens in new window, requires flash-player). You can also get acquainted with balance sheet aggregation methodics.

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	1 216 684 662	1 216 684 662
High liquid assets	87 803 311	87 803 311
Cash and equivalents	40 505 520	40 505 520
Cash	10 602 523	10 602 523
in cash and en route	8 170 353	8 170 353
in ATMs	2 427 319	2 427 319
precious metals	4 851	4 851
Nostro account with Central Bank	29 902 997	29 902 997
Nostro accounts	44 643 233	44 643 233
Non-residents	43 836 996	43 836 996
Residents	806 237	806 237
Money in transfer	2 691 501	2 691 501
Provision for impairment of high-liquid assets	-36 943	-36 943
Interest-earning assets	979 737 477	979 737 477
Dues from banks	284 112 550	284 112 550
Residents	190 338 363	190 338 363
up to 30 days	176 175 667	176 175 667
more than 180 days	14 162 696	14 162 696
Non-residents	93 929 365	93 929 365
up to 30 days	67 080 804	67 080 804
up to 180 days	25 992 570	25 992 570
more than 180 days	855 991	855 991
Loans past-due	1 896	1 896
non-residents	1 514	1 514
residents	382	382
Provision for impairment of loans to banks	-157 074	-157 074
Securities	100 347 354	100 347 354
Bonds	100 231 534	100 231 534
Federal Loan Bonds (OFZs), OBRs	89 345 588	89 345 588
Corporate bonds	8 678 792	8 678 792
Financial institutions bonds	1 295 090	1 295 090
Corporate foreign bonds	504 845	504 845
Valuation allowance	-1 748 362	-1 748 362
Pledged under REPO	2 184 628	2 184 628
Provision for impairment of bonds	-29 047	-29 047
Stocks	115 820	115 820
Residents	115 820	115 820
Loans to corporate clients	452 349 500	452 349 500
residents	427 019 195	427 019 195
up to 30 days	9 054 501	9 054 501
up to 180 days	21 283 502	21 283 502
up to 1 year	80 974 789	80 974 789
up to 3 years	111 216 809	111 216 809
more than 3 years	204 489 594	204 489 594
non-residents	46 282 915	46 282 915
up to 180 days	1 758 674	1 758 674
up to 1 year	2 092 073	2 092 073
up to 3 years	5 058 131	5 058 131
more than 3 years	37 374 037	37 374 037
state-owned enterprises	378	378
more than 3 years	378	378
Past-due	4 894 458	4 894 458
residents	4 882 346	4 882 346
non-residents	11 309	11 309
state-owned enterprises	803	803
Provision for impairment of corporate loans	-25 847 446	-25 847 446
residents	-21 366 368	-21 366 368
non-residents	-4 415 241	-4 415 241
state-owned enterprises	-65 837	-65 837
Loans to private entrepreneurs	762 001	762 001
up to 30 days	86 147	86 147
up to 180 days	56 575	56 575
up to 1 year	230 134	230 134
up to 3 years	190 099	190 099
more than 3 years	214 276	214 276
Past-due	125 276	125 276
Provision for impairment of loans to private entrepreneurs	-140 506	-140 506
Loans to individuals	142 166 072	142 166 072
Standard	146 594 341	146 594 341
up to 30 days	3 915 834	3 915 834
up to 1 year	213 094	213 094
up to 3 years	14 750 020	14 750 020
more than 3 years	127 715 393	127 715 393
Past-due	8 847 169	8 847 169
Past-due	8 847 169	8 847 169
Provision for impairment of loans to individuals	-13 275 438	-13 275 438
Other assets	149 143 874	149 143 874
Mandatory reserves with Central Bank	10 488 986	10 488 986
Premises and equipment	20 469 745	20 469 745
Purchase cost	81 244 355	81 244 355
Depreciation	-60 774 610	-60 774 610
Accrued interest not yet received	6 160 815	6 160 815
Other assets	63 706 885	63 706 885
Provision for impairment of other assets	-9 841 018	-9 841 018
Derivatives - assets	55 386 565	55 386 565
Deferred tax asset	2 771 896	2 771 896
LIABILITIES	1 008 304 655	1 008 304 655
Dues to banks	55 297 937	55 297 937
On demand	11 508 267	11 508 267
Residents	156 848	156 848
Non-residents	11 351 419	11 351 419
Term	43 351 569	43 351 569
Residents	10 691 589	10 691 589
up to 30 days	10 154 649	10 154 649
more than 180 days	536 940	536 940
Non-residents	32 659 980	32 659 980
up to 30 days	5 667 409	5 667 409
up to 180 days	1 000 000	1 000 000
more than 180 days	25 992 571	25 992 571
Other dues to banks	438 101	438 101
On demand	372 394 151	372 394 151
Corporate clients	224 702 957	224 702 957
State-owned enterprises	536 130	536 130
Residents	205 210 485	205 210 485
Non-residents	18 956 342	18 956 342
Individuals	146 421 377	146 421 377
Residents	136 897 768	136 897 768
Non-residents	9 523 609	9 523 609
Brokerage accounts	1 269 817	1 269 817
Residents	1 134 665	1 134 665
Non-residents	135 152	135 152
Term	503 066 957	503 066 957
Corporate clients	362 471 689	362 471 689
Residents	349 485 270	349 485 270
up to 30 days	152 605 286	152 605 286
up to 180 days	122 112 797	122 112 797
up to 1 year	23 324 539	23 324 539
up to 3 years	9 848 947	9 848 947
more than 3 years	41 593 701	41 593 701
Non-residents	2 567 449	2 567 449
up to 30 days	2 334 060	2 334 060
up to 180 days	179 575	179 575
up to 1 year	53 814	53 814
State-owned enterprises	10 418 970	10 418 970
up to 30 days	10 213 970	10 213 970
up to 1 year	205 000	205 000
Individuals	140 595 268	140 595 268
residents	138 064 184	138 064 184
up to 30 days	34 641 610	34 641 610
up to 180 days	39 049 304	39 049 304
up to 1 year	20 882 768	20 882 768
up to 3 years	32 463 100	32 463 100
more than 3 years	11 027 402	11 027 402
non-residents	2 531 084	2 531 084
up to 180 days	437 921	437 921
up to 1 year	804 861	804 861
up to 3 years	1 015 743	1 015 743
more than 3 years	272 559	272 559
Other liabilities	77 545 610	77 545 610
Other liabilities	8 667 766	8 667 766
Accrued interest not yet paid	8 609 895	8 609 895
Derivatives - liabilities	60 267 949	60 267 949
EQUITY	208 380 007	208 380 007
Capital	47 241 545	47 241 545
Profit from previous years	157 981 841	157 981 841
Retained earnings from previous years	157 981 841	157 981 841
Current year profit	3 156 621	3 156 621
Current year retained earnings	3 156 621	3 156 621
OFF-BALANCE SHEET	-1 003 593 137	-1 003 593 137
Unused credit limits available	32 500 000	32 500 000
Contingent liabilities	-1 887 090 645	-1 887 090 645
Guarantees issued	-261 405 161	-261 405 161
Unused credit limits opened	-964 040 943	-964 040 943
Unused guarantee limits	-661 644 541	-661 644 541
Collateral on loans	872 501 009	872 501 009
goods	795 478 920	795 478 920
securities	77 022 089	77 022 089
Unprocessed payments	7 197 436	7 197 436
Due to lack of funds on client accounts	7 197 436	7 197 436
Other off-balance sheet accounts	-28 700 937	-28 700 937
Written-off interest	-3 514 310	-3 514 310
Written-off loans	-25 186 627	-25 186 627
Credit card balances	3 915 834	3 915 834
Risk-weighted assets	1 080 881 517	1 080 881 517
Reserve rates:
Loans to banks:	-0,06%	-100,0%
Customer loans, total:	-6,18%	-100,0%
including corporate loans:	-5,42%	-100,0%
including individual loans:	-8,54%	-100,0%
Past-due rate:	-2,19%	-100,0%
corporate clients:	-1,05%	-100,0%
individuals:	-5,69%	-100,0%