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

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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. 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	71 954 183	66 871 001	80 430 885	38 977 339	-32 976 844	-45,8%
High liquid assets	6 035 108	5 641 971	6 960 277	5 828 504	-206 604	-3,4%
Cash and equivalents	5 306 572	4 229 664	5 193 149	4 274 441	-1 032 131	-19,5%
Cash	660 478	663 353	691 353	250 499	-409 979	-62,1%
in cash and en route	645 814	650 823	671 256	247 711	-398 103	-61,6%
in ATMs	14 664	12 530	20 097	2 788	-11 876	-81,0%
Nostro account with Central Bank	4 646 094	3 566 311	4 501 796	4 023 942	-622 152	-13,4%
Nostro accounts	430 831	984 020	1 265 515	695 427	264 596	61,4%
Residents	430 831	984 020	1 265 515	695 427	264 596	61,4%
Money in transfer	42 230	32 010	41 486	35 506	-6 724	-15,9%
Exchange accounts	255 439	396 243	460 096	823 114	567 675	222,2%
Provision for impairment of high-liquid assets	36	34	31	16	-20	-55,6%
Interest-earning assets	2 464 943	1 449 418	1 646 839	3 237 819	772 876	31,4%
Dues from banks	787	553	981	1 336 994	1 336 207	169 784,9%
Residents	787	553	981	1 336 544	1 335 757	169 727,7%
up to 30 days	787	553	981	1 336 544	1 335 757	169 727,7%
more than 180 days	-	-	-	-	-	-
Provision for impairment of loans to banks	-	-	-	450	450	-
Securities	84 225	178	184	-	-84 225	-100,0%
Promissory notes	54 425	178	184	-	-54 425	-100,0%
Corporate	29 464	178	184	-	-29 464	-100,0%
Banks	1 725	-	-	-	-1 725	-100,0%
Provision for impairment of promissory notes	23 236	-	-	-	-23 236	-100,0%
Stocks	29 800	-	-	-	-29 800	-100,0%
Residents	-	-	-	-	-	-
Provision for impairment of stocks	29 800	-	-	-	-29 800	-100,0%
Loans to corporate clients	889 977	506 240	809 767	386 599	-503 378	-56,6%
residents	786 241	330 405	727 054	335 904	-450 337	-57,3%
up to 30 days	19 496	-	19 621	2 887	-16 609	-85,2%
up to 180 days	462 853	94 658	2 280	28 205	-434 648	-93,9%
up to 1 year	72 015	95 839	24 668	27 464	-44 551	-61,9%
up to 3 years	152 319	106 407	407 030	246 189	93 870	61,6%
more than 3 years	79 558	33 501	273 455	31 159	-48 399	-60,8%
Past-due	32 691	17 456	22 990	16 750	-15 941	-48,8%
residents	32 691	17 456	22 990	16 750	-15 941	-48,8%
Provision for impairment of corporate loans	71 045	158 379	59 723	33 945	-37 100	-52,2%
residents	71 045	158 379	59 723	33 945	-37 100	-52,2%
Loans to private entrepreneurs	11 674	5 590	9 360	15 263	3 589	30,7%
more than 3 years	4 659	2 950	7 045	9 192	4 533	97,3%
Past-due	272	209	360	439	167	61,4%
Provision for impairment of loans to private entrepreneurs	6 743	2 431	1 955	5 632	-1 111	-16,5%
Loans to individuals	1 478 280	936 857	826 547	1 498 963	20 683	1,4%
Standard	1 302 099	735 280	704 213	1 378 437	76 338	5,9%
up to 30 days	15 019	15 991	25 649	36 364	21 345	142,1%
up to 180 days	559 470	77 012	43 907	40 905	-518 565	-92,7%
up to 1 year	73 854	30 599	118 489	303 915	230 061	311,5%
up to 3 years	511 706	519 629	356 485	700 546	188 840	36,9%
more than 3 years	142 050	92 049	159 683	296 707	154 657	108,9%
Past-due	49 034	113 967	38 311	42 077	-6 957	-14,2%
Past-due	49 034	113 967	38 311	42 077	-6 957	-14,2%
Provision for impairment of loans to individuals	127 147	87 610	84 023	78 449	-48 698	-38,3%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	63 454 132	59 779 612	71 823 769	29 911 016	-33 543 116	-52,9%
Mandatory reserves with Central Bank	172 377	206 300	-	9 277	-163 100	-94,6%
Premises and equipment	285 974	1 233 849	185 084	639 218	353 244	123,5%
Purchase cost	285 749	1 233 849	185 084	593 768	308 019	107,8%
Depreciation	225	-	-	45 450	45 225	20 100,0%
Accrued interest not yet received	123 015	154 792	133 446	148 015	25 000	20,3%
Factoring	-	-	-	-	-	-
Non-current assets	-	11 984	157 430	-	-	-
Other assets	62 831 821	58 101 011	71 176 616	28 963 565	-33 868 256	-53,9%
Provision for impairment of other assets	40 945	71 676	171 193	150 941	109 996	268,6%
LIABILITIES	10 092 768	7 570 975	11 946 679	7 613 604	-2 479 164	-24,6%
Dues to banks	1 377 610	2 640 983	2 389 542	1 375 915	-1 695	-0,1%
On demand	-	-	186 864	-	-	-
Residents	-	-	186 864	-	-	-
Term	1 377 610	2 640 983	2 202 678	1 375 915	-1 695	-0,1%
Residents	1 377 610	2 640 983	2 202 678	1 375 915	-1 695	-0,1%
up to 30 days	807 495	1 148 000	949 023	1 034 755	227 260	28,1%
up to 180 days	459 033	821 718	15 000	55 549	-403 484	-87,9%
more than 180 days	111 082	671 265	574 497	4 200	-106 882	-96,2%
Past-due	-	-	664 158	281 411	281 411	-
On demand	6 352 103	3 874 659	7 823 606	4 624 888	-1 727 215	-27,2%
Corporate clients	4 425 766	3 034 356	5 870 311	3 691 455	-734 311	-16,6%
State-owned enterprises	-	159	231	634	634	-
Residents	4 345 634	2 940 495	5 800 370	3 653 686	-691 948	-15,9%
Non-residents	80 132	93 702	69 710	37 135	-42 997	-53,7%
Individuals	1 926 337	840 303	1 953 295	933 433	-992 904	-51,5%
Residents	1 916 433	836 665	1 949 474	930 573	-985 860	-51,4%
Non-residents	9 904	3 638	3 821	2 860	-7 044	-71,1%
Term	1 993 042	771 687	1 342 215	1 438 909	-554 133	-27,8%
Corporate clients	541 214	220 187	138 433	501 119	-40 095	-7,4%
Residents	152 101	196 976	97 151	400 237	248 136	163,1%
up to 30 days	124 000	184 268	19 000	238 000	114 000	91,9%
up to 180 days	3 509	2 691	14 379	75 003	71 494	2 037,4%
up to 1 year	6 080	1 848	59 067	796	-5 284	-86,9%
up to 3 years	12 165	5 997	2 785	33 196	21 031	172,9%
more than 3 years	6 347	2 172	1 920	53 242	46 895	738,9%
Non-residents	389 113	23 211	41 282	100 882	-288 231	-74,1%
up to 180 days	-	122	21 611	31 476	31 476	-
up to 1 year	330 155	-	-	-	-330 155	-100,0%
up to 3 years	58 958	23 089	19 671	69 406	10 448	17,7%
Individuals	1 451 828	551 500	1 203 782	937 790	-514 038	-35,4%
residents	1 439 248	539 449	1 201 877	929 764	-509 484	-35,4%
up to 180 days	63 534	34 038	26 646	207 488	143 954	226,6%
up to 1 year	168 864	47 690	98 890	53 603	-115 261	-68,3%
up to 3 years	1 203 999	456 879	1 074 685	661 538	-542 461	-45,1%
more than 3 years	2 851	842	1 656	7 135	4 284	150,3%
non-residents	12 580	12 051	1 905	8 026	-4 554	-36,2%
up to 1 year	1 632	95	71	1 426	-206	-12,6%
up to 3 years	10 948	11 956	1 834	6 600	-4 348	-39,7%
Securities issued	-	-	20 024	20 024	20 024	-
Promissory notes	-	-	20 024	20 024	20 024	-
on demand	-	-	10 008	10 008	10 008	-
up to 30 days	-	-	10 008	10 008	10 008	-
up to 3 years	-	-	-	-	-	-
more than 3 years	-	-	-	-	-	-
Discount accrued	-	-	8	8	8	-
Other liabilities	370 013	283 646	371 292	153 868	-216 145	-58,4%
Other liabilities	114 600	238 942	323 200	99 967	-14 633	-12,8%
Accrued interest not yet paid	76 405	44 657	48 092	53 901	-22 504	-29,5%
Liabilities past-due	179 008	47	-	-	-179 008	-100,0%
EQUITY	2 223 328	1 160 600	1 530 948	54 567 461	52 344 133	2 354,3%
Capital	21 610	-	-	-	-21 610	-100,0%
Profit from previous years	-	-	-	26 145 984	26 145 984	-
Retained earnings from previous years	-	-	-	26 145 984	26 145 984	-
Current year profit	2 198 603	1 158 466	1 530 460	28 420 652	26 222 049	1 192,7%
Current year retained earnings	2 198 603	1 158 466	1 530 460	28 420 652	26 222 049	1 192,7%
Future expenses	3 115	2 134	488	825	-2 290	-73,5%
OFF-BALANCE SHEET	1 286 467	2 076 463	2 827 903	721 935	-564 532	-43,9%
Contingent liabilities	872 520	422 220	450 032	331 933	-540 587	-62,0%
Guarantees issued	425 940	237 311	330 258	183 730	-242 210	-56,9%
Unused credit limits opened	446 580	184 909	119 774	148 203	-298 377	-66,8%
Collateral on loans	109 604	1 585 437	54 468	42 116	-67 488	-61,6%
goods	109 604	1 533 560	54 468	42 116	-67 488	-61,6%
securities	-	51 877	-	-	-	-
Unprocessed payments	241 139	33 896	2 285 336	298 515	57 376	23,8%
Due to lack of funds in bank	179 008	-	-	-	-179 008	-100,0%
Due to lack of funds on client accounts	62 131	33 896	2 285 336	298 515	236 384	380,5%
Other off-balance sheet accounts	63 204	34 910	38 067	49 371	-13 833	-21,9%
Accrued interest not yet received	53 968	28 439	26 590	31 301	-22 667	-42,0%
Written-off interest	4 095	2 879	5 106	8 040	3 945	96,3%
Written-off loans	5 141	3 592	6 371	10 030	4 889	95,1%
Credit card balances	15 019	15 991	25 649	36 364	21 345	142,1%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-