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	UNIVERSALNIY KREDITI want to buy a report	add to comparison
Central Bank of Russia registration number: 2903

General information Emissions0

Balance Profit Profitability

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

Financial analysis Statutory reports

• Key financial ratios
• Returns and costs
• Financial analysis by 69-T
• Deposit rates by 3194-U
• Financial position

On this page you can see brief analysis of bank's financial and solvency ratios and their dynamics. Data is presented as disclosed by bank itself. This page is currently under construction.

Net assets

Report date	1 May 2014	1 June 2014	1 July 2014	1 August 2014	1 September 2014	1 October 2014	Change
Net assets	2 728 390	2 347 287	2 265 643	2 412 672	2 371 881	1 502 657	-1 225 733
Increase	-	-14,0%	-3,5%	+6,5%	-1,7%	-36,6%	-44,9%

For the period under examination bank demonstrated net assets contraction for-44,9%, but at some report dates net assets grew.

Mandatory ratios

Report date	1 May 2014	1 June 2014	1 July 2014	1 August 2014	1 September 2014	1 October 2014	Change
N1 no less than 8%	14,01%	15,49%	13,46%	12,52%	13,44%	0,00%	-14,01%
N2 no less than 15%	19,10%	20,61%	18,03%	32,91%	15,28%	0,00%	-19,10%
N3 no less than 50%	56,33%	58,66%	52,55%	56,31%	53,06%	0,00%	-56,33%
N4 no greater than 120%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%	0,00%

For the period under examination capital adequacy ratio (N1) contracted by14,01%, capital adequacy ratio (under Russian Accounting Standards) is insufficient. For the period under examination quick liquidity ratio (N2) contracted by19,10%, highly liquid assets level is insufficient. For the period under examination current liquidity ratio (N3) contracted by56,33%, liquid assets level is insufficient. For the period under examination long-term liquidity ratio (N4) contracted by0,00%, long-term assets level is significantly less than allowed.

According to available data during the last 6 months the bank violated Central Bank's mandatory ratios 35 time. Find detailed information on violations below.

Violations of mandatory ratios

25 September 2014 - ratio vaiolated Н1.0, value 0%, acceptable value %.
26 September 2014 - ratio vaiolated Н1.0, value 0%, acceptable value %.
29 September 2014 - ratio vaiolated Н1.0, value 0%, acceptable value %.
30 September 2014 - ratio vaiolated Н1.0, value 0%, acceptable value %.
25 September 2014 - ratio vaiolated Н1.1, value 0%, acceptable value %.
26 September 2014 - ratio vaiolated Н1.1, value 0%, acceptable value %.
29 September 2014 - ratio vaiolated Н1.1, value 0%, acceptable value %.
30 September 2014 - ratio vaiolated Н1.1, value 0%, acceptable value %.
25 September 2014 - ratio vaiolated Н1.2, value 0%, acceptable value %.
26 September 2014 - ratio vaiolated Н1.2, value 0%, acceptable value %.
29 September 2014 - ratio vaiolated Н1.2, value 0%, acceptable value %.
30 September 2014 - ratio vaiolated Н1.2, value 0%, acceptable value %.
3 September 2014 - ratio vaiolated Н2, value 14.24%, acceptable value 15%.
4 September 2014 - ratio vaiolated Н2, value 13.38%, acceptable value 15%.
8 September 2014 - ratio vaiolated Н2, value 12.41%, acceptable value 15%.
9 September 2014 - ratio vaiolated Н2, value 12.11%, acceptable value 15%.
10 September 2014 - ratio vaiolated Н2, value 12.27%, acceptable value 15%.
11 September 2014 - ratio vaiolated Н2, value 12.01%, acceptable value 15%.
12 September 2014 - ratio vaiolated Н2, value 12.13%, acceptable value 15%.
15 September 2014 - ratio vaiolated Н2, value 12.35%, acceptable value 15%.
16 September 2014 - ratio vaiolated Н2, value 12.55%, acceptable value 15%.
17 September 2014 - ratio vaiolated Н2, value 10.89%, acceptable value 15%.
18 September 2014 - ratio vaiolated Н2, value 10.92%, acceptable value 15%.
19 September 2014 - ratio vaiolated Н2, value 10.66%, acceptable value 15%.
22 September 2014 - ratio vaiolated Н2, value 10.72%, acceptable value 15%.
23 September 2014 - ratio vaiolated Н2, value 10.6%, acceptable value 15%.
24 September 2014 - ratio vaiolated Н2, value 13.47%, acceptable value 15%.
25 September 2014 - ratio vaiolated Н2, value 1.73%, acceptable value 15%.
26 September 2014 - ratio vaiolated Н2, value 1.59%, acceptable value 15%.
29 September 2014 - ratio vaiolated Н2, value 1.48%, acceptable value 15%.
30 September 2014 - ratio vaiolated Н2, value 3.51%, acceptable value 15%.
25 September 2014 - ratio vaiolated Н3, value 40.64%, acceptable value 50%.
26 September 2014 - ratio vaiolated Н3, value 39.37%, acceptable value 50%.
29 September 2014 - ratio vaiolated Н3, value 17.92%, acceptable value 50%.
30 September 2014 - ratio vaiolated Н3, value 18.94%, acceptable value 50%.

Number of violations by month

Ratio	May 2014	June 2014	July 2014	August 2014	September 2014
N1	-	-	-	-	-
N2	-	-	-	-	19
N3	-	-	-	-	4
N4	-	-	-	-	-

Interbank loans market operatios

We do not have information that during the last 6 months the bank exceeded contract terms (loans became past-due) of principal or interest on interbank loans from Central Bank of Russia, resident banks or non-resident banks.