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

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	UNIASTRUM BANK	add to comparison
Central Bank of Russia registration number: 2771 foreign-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	106 103 181	106 103 181
High liquid assets	9 032 043	9 032 043
Cash and equivalents	8 355 444	8 355 444
Cash	3 039 629	3 039 629
in cash and en route	2 840 101	2 840 101
in ATMs	199 528	199 528
Nostro account with Central Bank	5 315 815	5 315 815
Nostro accounts	304 444	304 444
Non-residents	145 682	145 682
Residents	158 762	158 762
Money in transfer	163 820	163 820
Exchange accounts	208 510	208 510
Provision for impairment of high-liquid assets	-175	-175
Interest-earning assets	75 292 313	75 292 313
Dues from banks	4 547 707	4 547 707
Residents	4 511 307	4 511 307
up to 180 days	4 511 307	4 511 307
Non-residents	36 400	36 400
more than 180 days	36 400	36 400
Securities	34 268 083	34 268 083
Bonds	28 876 962	28 876 962
Corporate foreign bonds	5 921 001	5 921 001
Valuation allowance	-65 934	-65 934
Pledged under REPO	23 040 643	23 040 643
Provision for impairment of bonds	-18 748	-18 748
Promissory notes	1 830 585	1 830 585
Corporate	1 913 260	1 913 260
Provision for impairment of promissory notes	-82 675	-82 675
Stocks	3 560 536	3 560 536
Residents	3 726 995	3 726 995
Valuation allowance	-22 205	-22 205
Provision for impairment of stocks	-144 254	-144 254
Loans to corporate clients	29 974 480	29 974 480
residents	29 926 131	29 926 131
up to 30 days	228 356	228 356
up to 180 days	1 843 542	1 843 542
up to 1 year	8 353 043	8 353 043
up to 3 years	3 129 601	3 129 601
more than 3 years	16 371 589	16 371 589
non-residents	365 294	365 294
up to 30 days	365 294	365 294
Past-due	2 202 281	2 202 281
residents	2 202 281	2 202 281
Provision for impairment of corporate loans	-2 519 226	-2 519 226
residents	-2 519 226	-2 519 226
Loans to private entrepreneurs	1 762 658	1 762 658
up to 30 days	20 432	20 432
up to 180 days	9 044	9 044
up to 1 year	69 883	69 883
up to 3 years	62 802	62 802
more than 3 years	1 300 347	1 300 347
Past-due	1 038 752	1 038 752
Provision for impairment of loans to private entrepreneurs	-738 602	-738 602
Loans to individuals	4 739 385	4 739 385
Standard	4 423 660	4 423 660
up to 30 days	1 677 800	1 677 800
up to 1 year	40 830	40 830
up to 3 years	391 038	391 038
more than 3 years	2 313 992	2 313 992
Memo: mortgage loans	824 330	824 330
Past-due	2 872 463	2 872 463
Past-due	2 872 463	2 872 463
Memo: mortgage loans past-due	318 282	318 282
Provision for impairment of loans to individuals	-2 556 738	-2 556 738
Other assets	21 778 825	21 778 825
Mandatory reserves with Central Bank	594 209	594 209
Premises and equipment	13 405 455	13 405 455
Purchase cost	15 143 457	15 143 457
Depreciation	-1 738 002	-1 738 002
Accrued interest not yet received	839 069	839 069
Other assets	6 878 724	6 878 724
Investments in subsidiaries	481 330	481 330
Provision for impairment of other assets	-1 194 343	-1 194 343
Derivatives - assets	120 001	120 001
Deferred tax asset	654 380	654 380
LIABILITIES	91 955 432	91 955 432
Dues to banks	22 428 718	22 428 718
On demand	36 859	36 859
Residents	35 751	35 751
Non-residents	1 108	1 108
Term	22 355 846	22 355 846
Residents	22 355 846	22 355 846
up to 30 days	9 247 086	9 247 086
up to 180 days	11 441 681	11 441 681
more than 180 days	1 667 079	1 667 079
Other dues to banks	36 013	36 013
On demand	7 010 757	7 010 757
Corporate clients	4 259 770	4 259 770
State-owned enterprises	491	491
Residents	4 220 074	4 220 074
Non-residents	39 205	39 205
Individuals	2 750 887	2 750 887
Residents	2 627 892	2 627 892
Non-residents	122 995	122 995
Brokerage accounts	100	100
Residents	100	100
Term	60 473 792	60 473 792
Corporate clients	6 324 055	6 324 055
Residents	6 253 964	6 253 964
up to 30 days	3 202 812	3 202 812
up to 180 days	1 723 348	1 723 348
up to 1 year	466 649	466 649
up to 3 years	819 242	819 242
more than 3 years	41 913	41 913
Non-residents	36 691	36 691
up to 180 days	4 467	4 467
up to 3 years	32 224	32 224
State-owned enterprises	33 400	33 400
up to 180 days	32 700	32 700
up to 3 years	700	700
Individuals	54 149 737	54 149 737
residents	53 957 950	53 957 950
up to 180 days	2 707 043	2 707 043
up to 1 year	22 998 295	22 998 295
up to 3 years	27 900 044	27 900 044
more than 3 years	352 568	352 568
non-residents	191 787	191 787
up to 180 days	4 228	4 228
up to 1 year	72 682	72 682
up to 3 years	108 084	108 084
more than 3 years	6 793	6 793
Securities issued	188 781	188 781
Depositary certificates	188 781	188 781
up to 30 days	1 370	1 370
up to 180 days	43 953	43 953
more than 180 days	143 458	143 458
Other liabilities	1 853 384	1 853 384
Other liabilities	356 019	356 019
Accrued interest not yet paid	822 371	822 371
Deferred tax liabilities	674 994	674 994
EQUITY	14 147 748	14 147 748
Capital	12 136 155	12 136 155
Profit from previous years	870 863	870 863
Retained earnings from previous years	870 863	870 863
Current year profit	1 124 284	1 124 284
Current year retained earnings	1 124 284	1 124 284
Future expenses	16 446	16 446
OFF-BALANCE SHEET	-3 048 743	-3 048 743
Unused credit limits available	90 619	90 619
Contingent liabilities	-52 672 302	-52 672 302
Guarantees issued	-31 377 718	-31 377 718
Unused credit limits opened	-7 576 062	-7 576 062
Unused guarantee limits	-13 718 522	-13 718 522
Collateral on loans	42 647 795	42 647 795
goods	39 270 558	39 270 558
securities	3 377 237	3 377 237
Unprocessed payments	7 282 277	7 282 277
Due to lack of funds on client accounts	7 282 277	7 282 277
Other off-balance sheet accounts	-397 132	-397 132
Accrued interest not yet received	1 167 915	1 167 915
Written-off interest	-268 350	-268 350
Written-off loans	-1 296 697	-1 296 697
Credit card balances	1 677 800	1 677 800
Risk-weighted assets	122 385 226	122 385 226
Reserve rates:
Loans to banks:	0,00%	-
Customer loans, total:	-13,20%	-100,0%
including corporate loans:	-9,31%	-100,0%
including individual loans:	-35,04%	-100,0%
Past-due rate:	-14,46%	-100,0%
corporate clients:	-9,26%	-100,0%
individuals:	-39,37%	-100,0%
o/w mortgages:	-38,61%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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