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

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	UNISTREAM	add to comparison
Central Bank of Russia registration number: 3467 foreign shareholders

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.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	3 244 289	-	2 897 450	0,0	0,0	-346 839	-10,7%
High liquid assets	2 295 982	-	1 643 561	0,0	0,0	-652 421	-28,4%
Cash and equivalents	757 725	-	659 070	0,0	0,0	-98 655	-13,0%
Cash	383 720	-	523 599	0,0	0,0	139 879	36,5%
in cash and en route	379 273	-	519 527	0,0	0,0	140 254	37,0%
in ATMs	4 447	-	4 072	0,0	0,0	-375	-8,4%
Nostro account with Central Bank	374 005	-	135 471	0,0	0,0	-238 534	-63,8%
Nostro accounts	657 635	-	592 488	0,0	0,0	-65 147	-9,9%
Non-residents	408 909	-	307 344	0,0	0,0	-101 565	-24,8%
Residents	248 726	-	285 144	0,0	0,0	36 418	14,6%
Money in transfer	894 497	-	402 420	0,0	0,0	-492 077	-55,0%
Provision for impairment of high-liquid assets	-13 875	-	-10 417	0,0	0,0	3 458	-24,9%
Interest-earning assets	241 847	-	544 049	0,0	0,0	302 202	125,0%
Dues from banks	105 526	-	405 561	0,0	0,0	300 035	284,3%
Central Bank of Russia	100 000	-	400 000	0,0	0,0	300 000	300,0%
Non-residents	5 743	-	5 778	0,0	0,0	35	0,6%
up to 30 days	5 743	-	5 778	0,0	0,0	35	0,6%
Provision for impairment of loans to banks	-217	-	-217	0,0	0,0	-	0,0%
Securities	61 136	-	60 185	0,0	0,0	-951	-1,6%
Bonds	51 860	-	50 881	0,0	0,0	-979	-1,9%
Federal Loan Bonds (OFZs), OBRs	48 043	-	48 321	0,0	0,0	278	0,6%
Valuation allowance	3 817	-	2 560	0,0	0,0	-1 257	-32,9%
Promissory notes	9 276	-	9 304	0,0	0,0	28	0,3%
Banks	9 291	-	9 319	0,0	0,0	28	0,3%
Provision for impairment of promissory notes	-15	-	-15	0,0	0,0	-	0,0%
Loans to corporate clients	74 280	-	77 452	0,0	0,0	3 172	4,3%
residents	7 524	-	7 524	0,0	0,0	-	0,0%
up to 1 year	525	-	525	0,0	0,0	-	0,0%
up to 3 years	651	-	651	0,0	0,0	-	0,0%
more than 3 years	6 348	-	6 348	0,0	0,0	-	0,0%
non-residents	66 865	-	70 038	0,0	0,0	3 173	4,7%
up to 30 days	66 865	-	70 038	0,0	0,0	3 173	4,7%
Past-due	955	-	968	0,0	0,0	13	1,4%
residents	949	-	962	0,0	0,0	13	1,4%
non-residents	6	-	6	0,0	0,0	-	0,0%
Provision for impairment of corporate loans	-1 064	-	-1 078	0,0	0,0	-14	1,3%
residents	-3 528	-	-3 541	0,0	0,0	-13	0,4%
non-residents	-40	-	-41	0,0	0,0	-1	2,5%
state-owned enterprises	2 504	-	2 504	0,0	0,0	-	0,0%
Loans to private entrepreneurs	-	-	-	-	-	-	-
Past-due	321	-	317	0,0	0,0	-4	-1,2%
Provision for impairment of loans to private entrepreneurs	-321	-	-317	0,0	0,0	4	-1,2%
Loans to individuals	905	-	851	0,0	0,0	-54	-6,0%
Standard	926	-	872	0,0	0,0	-54	-5,8%
up to 3 years	197	-	169	0,0	0,0	-28	-14,2%
more than 3 years	729	-	703	0,0	0,0	-26	-3,6%
Past-due	6 868	-	6 868	0,0	0,0	-	0,0%
Past-due	6 868	-	6 868	0,0	0,0	-	0,0%
Provision for impairment of loans to individuals	-6 889	-	-6 889	0,0	0,0	-	0,0%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	706 460	-	709 840	0,0	0,0	3 380	0,5%
Mandatory reserves with Central Bank	16 788	-	16 436	0,0	0,0	-352	-2,1%
Premises and equipment	489 041	-	471 604	0,0	0,0	-17 437	-3,6%
Purchase cost	1 307 463	-	1 299 952	0,0	0,0	-7 511	-0,6%
Depreciation	-818 422	-	-828 348	0,0	0,0	-9 926	1,2%
Accrued interest not yet received	753	-	346	0,0	0,0	-407	-54,1%
Other assets	252 178	-	276 573	0,0	0,0	24 395	9,7%
Provision for impairment of other assets	-79 033	-	-81 852	0,0	0,0	-2 819	3,6%
Deferred tax asset	26 733	-	26 733	0,0	0,0	-	0,0%
LIABILITIES	2 053 829	-	1 715 852	0,0	0,0	-337 977	-16,5%
Dues to banks	449 785	-	330 484	0,0	0,0	-119 301	-26,5%
On demand	421 188	-	303 316	0,0	0,0	-117 872	-28,0%
Residents	107 184	-	54 341	0,0	0,0	-52 843	-49,3%
Non-residents	314 004	-	248 975	0,0	0,0	-65 029	-20,7%
Term	22 289	-	20 310	0,0	0,0	-1 979	-8,9%
Residents	4 173	-	4 096	0,0	0,0	-77	-1,8%
more than 180 days	4 173	-	4 096	0,0	0,0	-77	-1,8%
Non-residents	18 116	-	16 214	0,0	0,0	-1 902	-10,5%
up to 30 days	5 280	-	3 989	0,0	0,0	-1 291	-24,5%
more than 180 days	12 836	-	12 225	0,0	0,0	-611	-4,8%
Other dues to banks	6 308	-	6 858	0,0	0,0	550	8,7%
On demand	346 113	-	247 834	0,0	0,0	-98 279	-28,4%
Corporate clients	320 727	-	224 919	0,0	0,0	-95 808	-29,9%
Residents	96 536	-	108 143	0,0	0,0	11 607	12,0%
Non-residents	224 191	-	116 776	0,0	0,0	-107 415	-47,9%
Individuals	25 386	-	22 915	0,0	0,0	-2 471	-9,7%
Residents	25 386	-	22 915	0,0	0,0	-2 471	-9,7%
Term	44 492	-	27 959	0,0	0,0	-16 533	-37,2%
Corporate clients	44 492	-	27 959	0,0	0,0	-16 533	-37,2%
Residents	39 400	-	20 855	0,0	0,0	-18 545	-47,1%
up to 30 days	12 000	-	-	0,0	0,0	-12 000	-100,0%
up to 180 days	5 670	-	5 050	0,0	0,0	-620	-10,9%
up to 1 year	10 691	-	6 853	0,0	0,0	-3 838	-35,9%
up to 3 years	4 089	-	5 268	0,0	0,0	1 179	28,8%
more than 3 years	6 950	-	3 684	0,0	0,0	-3 266	-47,0%
Non-residents	5 092	-	7 104	0,0	0,0	2 012	39,5%
up to 1 year	622	-	120	0,0	0,0	-502	-80,7%
up to 3 years	2 211	-	2 417	0,0	0,0	206	9,3%
more than 3 years	2 259	-	4 567	0,0	0,0	2 308	102,2%
Other liabilities	1 213 439	-	1 109 575	0,0	0,0	-103 864	-8,6%
Other liabilities	1 213 361	-	1 109 474	0,0	0,0	-103 887	-8,6%
Accrued interest not yet paid	78	-	101	0,0	0,0	23	29,5%
EQUITY	1 190 460	-	1 181 598	0,0	0,0	-8 862	-0,7%
Capital	655 563	-	655 563	0,0	0,0	-	0,0%
Profit from previous years	475 659	-	531 542	0,0	0,0	55 883	11,7%
Retained earnings from previous years	475 659	-	531 542	0,0	0,0	55 883	11,7%
Current year profit	59 238	-	-5 507	0,0	0,0	-64 745	-109,3%
Current year retained earnings	59 238	-	-5 507	0,0	0,0	-64 745	-109,3%
OFF-BALANCE SHEET	426 210	-	327 681	0,0	0,0	-98 529	-23,1%
Collateral on loans	7 069	-	7 069	0,0	0,0	-	0,0%
goods	7 069	-	7 069	0,0	0,0	-	0,0%
Unprocessed payments	435 605	-	337 199	0,0	0,0	-98 406	-22,6%
Due to lack of funds on client accounts	435 605	-	337 199	0,0	0,0	-98 406	-22,6%
Other off-balance sheet accounts	-16 464	-	-16 587	0,0	0,0	-123	0,7%
Written-off interest	-1 883	-	-1 883	0,0	0,0	-	0,0%
Written-off loans	-14 581	-	-14 704	0,0	0,0	-123	0,8%
Past due ratio, total	976	-	942	0,0	0,0	-34	-3,5%
Past due ratio, individuals	8 812	-	8 873	0,0	0,0	61	0,7%
Past due ratio, corporates	127	-	123	0,0	0,0	-4	-3,1%
Past due ratio, entrepreneurs	10 000	-	10 000	0,0	0,0	-	0,0%
Past due ratio, corporates + entrepreneurs	169	-	163	0,0	0,0	-6	-3,6%
Risk-weighted assets	5 104 692	-	4 600 328	0,0	0,0	-504 364	-9,9%