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

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	YUNIKOR	add to comparison
Central Bank of Russia registration number: 2586

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.


Turnover by thous. rub.					Period change
ASSETS	19 755 036	9 217 256	13 543 833	21 449 823	1 694 787	8,6%
High liquid assets	12 695 892	7 125 199	11 369 193	18 578 798	5 882 906	46,3%
Cash and equivalents	7 604 142	6 107 770	10 742 004	18 085 182	10 481 040	137,8%
Cash	3 126 467	2 781 374	2 479 591	2 956 827	-169 640	-5,4%
in cash and en route	3 073 590	2 741 565	2 434 698	2 914 949	-158 641	-5,2%
in ATMs	52 877	39 809	44 893	41 878	-10 999	-20,8%
Nostro account with Central Bank	4 477 675	3 326 396	8 262 413	15 128 355	10 650 680	237,9%
Nostro accounts	858 720	125 335	109 578	230 944	-627 776	-73,1%
Non-residents	405 126	15 982	10 659	20 055	-385 071	-95,0%
Residents	453 594	109 353	98 919	210 889	-242 705	-53,5%
Money in transfer	2 626 965	664 067	410 459	201 011	-2 425 954	-92,3%
Exchange accounts	1 606 059	228 027	107 150	61 660	-1 544 399	-96,2%
Provision for impairment of high-liquid assets	6	-	2	1	-5	-83,3%
Interest-earning assets	2 293 812	1 292 195	1 012 608	834 017	-1 459 795	-63,6%
Dues from banks	150 273	328	276	224	-150 049	-99,9%
Residents	150 262	328	247	191	-150 071	-99,9%
up to 30 days	150 262	328	247	191	-150 071	-99,9%
Provision for impairment of loans to banks	11	-	29	33	22	200,0%
Securities	1 615 030	945 277	544 508	126 657	-1 488 373	-92,2%
Bonds	1 614 592	944 853	302 068	-	-1 614 592	-100,0%
Federal Loan Bonds (OFZs), OBRs	605 649	472 060	190 633	-	-605 649	-100,0%
Financial institutions bonds	216 242	-	-	-	-216 242	-100,0%
Valuation allowance	362	-	15 990	-	-362	-100,0%
Pledged under REPO	792 339	472 793	95 445	-	-792 339	-100,0%
Promissory notes	438	424	242 440	126 657	126 219	28 817,1%
Corporate	-	-	-	76 060	76 060	-
Banks	438	424	242 440	49 077	48 639	11 104,8%
Provision for impairment of promissory notes	-	-	-	1 520	1 520	-
Loans to corporate clients	455 198	279 850	305 998	550 126	94 928	20,9%
residents	411 399	254 303	227 648	470 492	59 093	14,4%
up to 30 days	57 421	50 929	40 585	37 662	-19 759	-34,4%
up to 180 days	2 814	3 232	6 450	3 546	732	26,0%
up to 1 year	297 164	118 497	53 373	265 784	-31 380	-10,6%
up to 3 years	54 000	81 645	127 240	150 000	96 000	177,8%
more than 3 years	-	-	-	13 500	13 500	-
Past-due	4 409	6 896	15 830	5 799	1 390	31,5%
residents	4 409	6 896	15 830	5 799	1 390	31,5%
Provision for impairment of corporate loans	39 390	18 651	62 520	73 835	34 445	87,4%
residents	39 390	18 651	62 520	73 835	34 445	87,4%
Loans to private entrepreneurs	22 144	16 403	8 349	7 828	-14 316	-64,6%
up to 30 days	21 683	14 849	8 277	7 803	-13 880	-64,0%
up to 180 days	400	1 530	-	-	-400	-100,0%
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	-	-	-
Past-due	-	-	-	-	-	-
Provision for impairment of loans to private entrepreneurs	61	24	72	25	-36	-59,0%
Loans to individuals	51 167	50 337	153 477	149 182	98 015	191,6%
Standard	32 967	31 966	42 356	82 951	49 984	151,6%
up to 30 days	23 285	28 833	32 896	37 871	14 586	62,6%
up to 180 days	-	-	-	33 250	33 250	-
up to 1 year	6 670	2 155	6 860	-	-6 670	-100,0%
up to 3 years	652	978	-	3 800	3 148	482,8%
more than 3 years	2 360	-	2 600	8 030	5 670	240,3%
Past-due	11 003	10 612	81 579	53 118	42 115	382,8%
Past-due	11 003	10 612	81 579	53 118	42 115	382,8%
Provision for impairment of loans to individuals	7 197	7 759	29 542	13 113	5 916	82,2%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	4 765 332	799 862	1 162 032	2 037 008	-2 728 324	-57,3%
Mandatory reserves with Central Bank	2 191	1 126	369	144	-2 047	-93,4%
Premises and equipment	293 974	35 171	212 072	617 775	323 801	110,1%
Purchase cost	290 960	32 465	209 600	605 743	314 783	108,2%
Depreciation	3 014	2 706	2 472	12 032	9 018	299,2%
Accrued interest not yet received	4 733	3 914	4 161	8 013	3 280	69,3%
Assets under management	-	-	-	-	-	-
Other assets	4 457 872	749 873	927 213	1 298 376	-3 159 496	-70,9%
Provision for impairment of other assets	6 562	9 778	9 171	112 700	106 138	1 617,5%
Deferred tax asset	-	-	9 046	-	-	-
LIABILITIES	10 866 382	5 524 845	18 638 894	26 560 354	15 693 972	144,4%
Dues to banks	815 258	516 614	3 314 047	84 000	-731 258	-89,7%
On demand	-	108 432	3 164 233	-	-	-
Residents	-	-	1	-	-	-
Non-residents	-	108 432	3 164 232	-	-	-
Term	815 258	408 182	149 814	84 000	-731 258	-89,7%
Central Bank of Russia	438 652	-	-	-	-438 652	-100,0%
more than 180 days	-	-	-	-	-	-
other	438 652	-	-	-	-438 652	-100,0%
Residents	376 606	408 182	149 814	84 000	-292 606	-77,7%
up to 30 days	360 606	308 182	149 814	-	-360 606	-100,0%
up to 180 days	16 000	100 000	-	60 000	44 000	275,0%
more than 180 days	-	-	-	24 000	24 000	-
Past-due	-	-	-	-	-	-
On demand	4 854 618	3 804 035	14 185 403	25 245 741	20 391 123	420,0%
Corporate clients	4 297 718	3 325 246	8 487 257	14 841 055	10 543 337	245,3%
State-owned enterprises	11 760	11 137	5 335	4 963	-6 797	-57,8%
Residents	4 275 437	3 308 530	8 475 607	14 830 599	10 555 162	246,9%
Non-residents	10 521	5 579	6 315	5 493	-5 028	-47,8%
Individuals	556 702	370 248	415 743	294 300	-262 402	-47,1%
Residents	550 986	367 852	415 355	287 653	-263 333	-47,8%
Non-residents	5 716	2 396	388	6 647	931	16,3%
Brokerage accounts	198	108 541	5 282 403	10 110 386	10 110 188	5 106 155,6%
Residents	198	108 541	5 282 403	10 110 386	10 110 188	5 106 155,6%
Term	476 825	434 237	312 850	384 414	-92 411	-19,4%
Corporate clients	70 781	89 267	35 600	28 000	-42 781	-60,4%
Residents	-	69 262	2 500	2 000	2 000	-
up to 30 days	-	69 262	-	-	-	-
up to 180 days	-	-	2 500	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	-	-	-	2 000	2 000	-
more than 3 years	-	-	-	-	-	-
State-owned enterprises	70 781	20 005	33 100	26 000	-44 781	-63,3%
up to 3 years	70 781	20 005	33 100	26 000	-44 781	-63,3%
Individuals	406 044	344 970	277 250	356 414	-49 630	-12,2%
residents	401 697	344 876	276 539	355 585	-46 112	-11,5%
up to 30 days	3	3	-	-	-3	-100,0%
up to 180 days	69 019	42 332	23 348	18 283	-50 736	-73,5%
up to 1 year	144 925	148 237	130 692	176 847	31 922	22,0%
up to 3 years	187 750	154 304	122 499	160 455	-27 295	-14,5%
more than 3 years	-	-	-	-	-	-
non-residents	4 347	94	711	829	-3 518	-80,9%
up to 1 year	977	1	1	784	-193	-19,8%
up to 3 years	3 370	93	710	45	-3 325	-98,7%
Securities issued	60 000	-	-	-	-60 000	-100,0%
Promissory notes	60 000	-	-	-	-60 000	-100,0%
on demand	60 000	-	-	-	-60 000	-100,0%
Other liabilities	4 659 681	769 959	826 594	846 199	-3 813 482	-81,8%
Other liabilities	4 627 968	738 184	798 226	804 393	-3 823 575	-82,6%
Accrued interest not yet paid	31 713	31 775	28 368	41 806	10 093	31,8%
Deferred tax liabilities	-	-	-	-	-	-
EQUITY	5 278 536	9 979 658	244 162	487 123	-4 791 413	-90,8%
Capital	77 458	17 135	19 684	6 185	-71 273	-92,0%
Profit from previous years	4 905 444	9 763 469	-	66 428	-4 839 016	-98,6%
Retained earnings from previous years	4 905 444	9 763 469	-	66 428	-4 839 016	-98,6%
Current year profit	291 570	192 191	222 882	412 770	121 200	41,6%
Current year retained earnings	291 570	192 191	222 882	412 770	121 200	41,6%
Future expenses	4 064	6 863	1 596	1 740	-2 324	-57,2%
OFF-BALANCE SHEET	574 370	334 657	219 182	352 659	-221 711	-38,6%
Unused credit limits available	-	-	-	-	-	-
Contingent liabilities	317 809	243 303	176 351	142 843	-174 966	-55,1%
Guarantees issued	16 500	18 941	47 257	17 129	629	3,8%
Unused credit limits opened	301 309	224 362	129 094	125 714	-175 595	-58,3%
Collateral on loans	255 279	76 317	28 214	192 886	-62 393	-24,4%
goods	255 279	70 235	26 627	188 047	-67 232	-26,3%
securities	-	6 082	1 587	4 839	4 839	-
Unprocessed payments	-	13 704	13 043	14 951	14 951	-
Due to lack of funds on client accounts	-	13 704	13 043	14 951	14 951	-
Other off-balance sheet accounts	1 282	1 333	1 574	1 979	697	54,4%
Accrued interest not yet received	1 269	1 316	1 564	1 969	700	55,2%
Written-off interest	-	-	-	-	-	-
Written-off loans to banks	-	-	-	-	-	-
Written-off loans	13	17	10	10	-3	-23,1%
Credit card balances	23 285	28 833	32 896	37 871	14 586	62,6%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-