Kuap. Ru - Balance sheet of УНИФИН, analysis of f.101

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	UNIFIN	add to comparison
Central Bank of Russia registration number: 2654 retail lending

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	9 592 523	9 592 523
High liquid assets	278 982	278 982
Cash and equivalents	183 289	183 289
Cash	163 266	163 266
in cash and en route	158 574	158 574
in ATMs	4 692	4 692
Nostro account with Central Bank	20 023	20 023
Nostro accounts	91 549	91 549
Residents	91 549	91 549
Money in transfer	3 677	3 677
Exchange accounts	940	940
Provision for impairment of high-liquid assets	-473	-473
Interest-earning assets	7 265 915	7 265 915
Dues from banks	27 707	27 707
Residents	27 907	27 907
up to 30 days	7 907	7 907
more than 180 days	20 000	20 000
Provision for impairment of loans to banks	-200	-200
Securities	46 971	46 971
Promissory notes	22 890	22 890
Corporate	29 346	29 346
Provision for impairment of promissory notes	-6 456	-6 456
Stocks	24 081	24 081
Residents	30 101	30 101
Provision for impairment of stocks	-6 020	-6 020
Loans to corporate clients	3 397 628	3 397 628
residents	3 933 041	3 933 041
up to 30 days	17 447	17 447
up to 180 days	417 858	417 858
up to 1 year	1 076 626	1 076 626
up to 3 years	1 486 462	1 486 462
more than 3 years	934 648	934 648
Past-due	140 499	140 499
residents	140 499	140 499
Provision for impairment of corporate loans	-675 912	-675 912
residents	-675 912	-675 912
Loans to private entrepreneurs	15 108	15 108
more than 3 years	49 079	49 079
Past-due	5 148	5 148
Provision for impairment of loans to private entrepreneurs	-39 119	-39 119
Loans to individuals	3 778 501	3 778 501
Standard	4 362 907	4 362 907
up to 30 days	52 560	52 560
up to 180 days	84 197	84 197
up to 1 year	462 166	462 166
up to 3 years	2 162 272	2 162 272
more than 3 years	1 601 712	1 601 712
Past-due	275 827	275 827
Past-due	275 827	275 827
Provision for impairment of loans to individuals	-860 233	-860 233
Other assets	2 047 626	2 047 626
Mandatory reserves with Central Bank	247 760	247 760
Premises and equipment	659 893	659 893
Purchase cost	706 352	706 352
Depreciation	-46 459	-46 459
Accrued interest not yet received	562 539	562 539
Factoring	2 519	2 519
Other assets	937 712	937 712
Provision for impairment of other assets	-362 797	-362 797
LIABILITIES	8 127 154	8 127 154
Dues to banks	1 611 535	1 611 535
Term	1 611 535	1 611 535
Residents	1 611 535	1 611 535
up to 180 days	440 417	440 417
more than 180 days	349 146	349 146
Past-due	821 972	821 972
On demand	786 931	786 931
Corporate clients	519 399	519 399
State-owned enterprises	18	18
Residents	511 682	511 682
Non-residents	7 699	7 699
Individuals	267 532	267 532
Residents	263 706	263 706
Non-residents	3 826	3 826
Term	5 530 774	5 530 774
Corporate clients	1 061 018	1 061 018
Residents	519 279	519 279
up to 180 days	238 000	238 000
up to 1 year	42 667	42 667
up to 3 years	237 612	237 612
more than 3 years	1 000	1 000
Non-residents	541 739	541 739
up to 180 days	27 930	27 930
up to 1 year	18 000	18 000
up to 3 years	495 809	495 809
Individuals	4 469 756	4 469 756
residents	4 418 078	4 418 078
up to 180 days	88 781	88 781
up to 1 year	416 437	416 437
up to 3 years	3 828 293	3 828 293
more than 3 years	84 567	84 567
non-residents	51 678	51 678
up to 1 year	3 600	3 600
up to 3 years	48 078	48 078
Securities issued	41 225	41 225
Promissory notes	41 225	41 225
up to 3 years	34 529	34 529
more than 3 years	11 545	11 545
Discount accrued	-4 849	-4 849
Other liabilities	156 689	156 689
Other liabilities	9 068	9 068
Accrued interest not yet paid	147 621	147 621
EQUITY	1 465 369	1 465 369
Capital	1 370 664	1 370 664
Profit from previous years	30 541	30 541
Retained earnings from previous years	30 541	30 541
Current year profit	66 299	66 299
Current year retained earnings	66 299	66 299
Future expenses	-2 135	-2 135
OFF-BALANCE SHEET	7 261 296	7 261 296
Contingent liabilities	-2 290 723	-2 290 723
Guarantees issued	-2 111 315	-2 111 315
Unused credit limits opened	-179 408	-179 408
Collateral on loans	6 616 447	6 616 447
goods	6 581 040	6 581 040
securities	35 407	35 407
Unprocessed payments	2 831 819	2 831 819
Due to lack of funds on client accounts	2 831 819	2 831 819
Other off-balance sheet accounts	103 753	103 753
Accrued interest not yet received	291 510	291 510
Written-off interest	-68 294	-68 294
Written-off loans	-119 463	-119 463
Credit card balances	52 560	52 560
Risk-weighted assets	15 534 198	15 534 198
Reserve rates:
Loans to banks:	-0,72%	-100,0%
Customer loans, total:	-17,94%	-100,0%
including corporate loans:	-17,32%	-100,0%
including individual loans:	-18,54%	-100,0%
Past-due rate:	-4,81%	-100,0%
corporate clients:	-3,53%	-100,0%
individuals:	-5,95%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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