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

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	UNIASTRUM BANK	add to comparison
Central Bank of Russia registration number: 2771 foreign-controlled, CB RF representative, complies with 214-FZ (equity construction), complies with 213-FZ (work with state companies)

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	1 086 503 976	1 164 910 605	1 211 315 624	1 508 627 364	422 123 388	38,9%
High liquid assets	166 289 956	209 388 113	208 263 563	303 902 978	137 613 022	82,8%
Cash and equivalents	65 864 490	63 626 537	76 724 392	102 569 569	36 705 079	55,7%
Cash	18 854 670	23 080 443	31 999 747	37 370 489	18 515 819	98,2%
in cash and en route	18 119 213	22 383 644	31 286 816	36 542 277	18 423 064	101,7%
in ATMs	735 457	696 799	712 931	828 204	92 747	12,6%
precious metals	-	-	-	8	8	-
Nostro account with Central Bank	47 009 820	40 546 094	44 724 645	65 199 080	18 189 260	38,7%
Nostro accounts	12 311 238	15 588 842	8 796 392	17 193 583	4 882 345	39,7%
Non-residents	4 472 638	5 203 095	2 437 386	2 654 945	-1 817 693	-40,6%
Residents	7 838 600	10 385 747	6 359 006	14 538 638	6 700 038	85,5%
Money in transfer	24 959 233	26 405 699	32 032 643	72 594 890	47 635 657	190,9%
Exchange accounts	63 154 987	103 767 035	90 710 023	111 544 730	48 389 743	76,6%
Provision for impairment of high-liquid assets	8	-	113	206	198	2 475,0%
Interest-earning assets	282 378 990	312 959 797	336 755 120	400 029 293	117 650 303	41,7%
Dues from banks	12 904 930	3 052 608	2 003 302	5 012 645	-7 892 285	-61,2%
Residents	12 901 051	3 051 000	2 000 000	5 011 307	-7 889 744	-61,2%
up to 30 days	12 901 051	3 051 000	2 000 000	500 000	-12 401 051	-96,1%
up to 180 days	-	-	-	4 511 307	4 511 307	-
Non-residents	1 879	1 608	3 302	1 338	-541	-28,8%
more than 180 days	1 879	1 608	3 302	1 338	-541	-28,8%
Provision for impairment of loans to banks	2 000	-	-	-	-2 000	-100,0%
Securities	265 868 516	304 859 769	330 213 692	386 644 465	120 775 949	45,4%
Bonds	265 837 903	303 837 626	329 539 418	386 603 981	120 766 078	45,4%
Federal Loan Bonds (OFZs), OBRs	636 834	323 631	316 099	82 018	-554 816	-87,1%
Corporate bonds	28 162 175	37 135 170	39 156 034	27 037 369	-1 124 806	-4,0%
Financial institutions bonds	18 488 918	25 955 310	41 643 220	22 876 390	4 387 472	23,7%
Corporate foreign bonds	90 236 774	90 023 392	88 511 898	142 010 781	51 774 007	57,4%
Valuation allowance	337 059	283 928	381 480	379 085	42 026	12,5%
Pledged under REPO	127 837 438	149 976 780	159 419 377	194 038 944	66 201 506	51,8%
Provision for impairment of bonds	138 705	139 415	111 310	179 394	40 689	29,3%
Promissory notes	19 697	20 354	19 698	20 354	657	3,3%
Corporate	19 697	20 354	19 698	20 354	657	3,3%
Provision for impairment of promissory notes	-	-	-	-	-	-
Stocks	10 916	1 001 789	654 576	20 130	9 214	84,4%
Residents	10 896	1 000 731	653 228	11 472	576	5,3%
Valuation allowance	20	346	1 348	491	471	2 355,0%
Provision for impairment of stocks	-	712	-	8 167	8 167	-
Loans to corporate clients	2 156 886	3 804 658	3 552 844	7 428 225	5 271 339	244,4%
residents	1 972 404	3 400 239	3 345 500	7 184 903	5 212 499	264,3%
up to 30 days	346 776	342 147	426 330	403 529	56 753	16,4%
up to 180 days	339 974	1 760 894	738 764	1 856 485	1 516 511	446,1%
up to 1 year	419 429	354 716	361 924	3 619 180	3 199 751	762,9%
up to 3 years	170 901	127 088	148 527	92 702	-78 199	-45,8%
more than 3 years	695 324	815 394	1 669 955	1 213 007	517 683	74,5%
non-residents	18 978	16 276	33 266	20 064	1 086	5,7%
up to 30 days	18 978	16 276	33 266	13 564	-5 414	-28,5%
up to 1 year	-	-	-	6 500	6 500	-
Past-due	80 265	80 046	139 904	91 310	11 045	13,8%
residents	80 265	80 046	139 904	91 310	11 045	13,8%
Provision for impairment of corporate loans	85 239	308 097	34 174	131 948	46 709	54,8%
residents	85 239	308 097	34 174	131 948	46 709	54,8%
Loans to private entrepreneurs	659 859	492 621	476 735	434 158	-225 701	-34,2%
up to 30 days	22 660	17 030	27 178	24 472	1 812	8,0%
up to 180 days	33 160	15 982	26 014	21 932	-11 228	-33,9%
up to 1 year	122 740	47 236	70 369	37 219	-85 521	-69,7%
up to 3 years	25 469	3 319	66 841	34 447	8 978	35,3%
more than 3 years	351 787	325 987	117 987	201 672	-150 115	-42,7%
Past-due	69 248	30 362	134 949	79 059	9 811	14,2%
Provision for impairment of loans to private entrepreneurs	34 795	52 705	33 397	35 357	562	1,6%
Loans to individuals	788 799	750 141	508 547	509 800	-278 999	-35,4%
Standard	434 965	429 284	289 406	269 871	-165 094	-38,0%
up to 30 days	168 097	160 079	152 396	159 754	-8 343	-5,0%
up to 180 days	-	2 000	-	-	-	-
up to 1 year	16 400	18 560	27 550	21 492	5 092	31,0%
up to 3 years	25 233	139 131	22 264	22 021	-3 212	-12,7%
more than 3 years	225 235	109 514	87 196	66 604	-158 631	-70,4%
Memo: mortgage loans	-	-	-	-	-	-
Past-due	157 041	134 635	144 569	92 073	-64 968	-41,4%
Past-due	157 041	134 635	144 569	92 073	-64 968	-41,4%
Memo: mortgage loans past-due	-	-	-	-	-	-
Provision for impairment of loans to individuals	196 793	186 222	74 572	147 856	-48 937	-24,9%
Provision for impairment of loans past-due	-	-	-	-	-	-
Other assets	637 835 030	642 562 695	666 296 941	804 695 093	166 860 063	26,2%
Mandatory reserves with Central Bank	90 381	11 380	198	7 843	-82 538	-91,3%
Premises and equipment	9 130 376	6 407 671	12 764 643	11 674 530	2 544 154	27,9%
Purchase cost	9 111 928	6 407 176	12 756 528	11 464 377	2 352 449	25,8%
Depreciation	18 448	495	8 115	210 153	191 705	1 039,2%
Accrued interest not yet received	501 680	523 096	532 449	676 980	175 300	34,9%
Other assets	628 012 529	635 334 015	652 775 130	791 976 196	163 963 667	26,1%
Investments in subsidiaries	-	-	-	-	-	-
Provision for impairment of other assets	94 223	286 533	219 332	359 398	265 175	281,4%
Derivatives - assets	5 841	-	5 189	146	-5 695	-97,5%
Deferred tax asset	-	-	-	-	-	-
LIABILITIES	820 916 553	813 683 400	888 866 990	1 038 572 776	217 656 223	26,5%
Dues to banks	108 856 951	110 597 422	128 586 243	156 365 276	47 508 325	43,6%
On demand	333 112	385 854	338 223	364 425	31 313	9,4%
Residents	261 526	316 489	282 426	263 780	2 254	0,9%
Non-residents	71 586	69 365	55 797	100 645	29 059	40,6%
Term	108 492 767	110 167 839	128 218 523	155 944 127	47 451 360	43,7%
Central Bank of Russia	29 124 977	42 591 049	60 481 649	28 551 650	-573 327	-2,0%
other	29 124 977	42 591 049	60 481 649	28 551 650	-573 327	-2,0%
Residents	79 367 790	67 576 790	67 736 874	127 392 477	48 024 687	60,5%
up to 30 days	79 366 590	67 549 733	67 728 423	123 611 306	44 244 716	55,7%
up to 180 days	-	-	-	3 744 184	3 744 184	-
more than 180 days	1 200	27 057	8 451	36 987	35 787	2 982,3%
Other dues to banks	31 072	43 729	29 497	56 724	25 652	82,6%
On demand	32 931 559	39 912 918	44 662 179	64 342 291	31 410 732	95,4%
Corporate clients	25 985 549	30 631 332	30 460 064	39 062 300	13 076 751	50,3%
State-owned enterprises	32 904	34 672	20 915	35 728	2 824	8,6%
Residents	25 515 657	30 140 087	30 106 745	38 687 638	13 171 981	51,6%
Non-residents	436 988	456 573	332 404	338 934	-98 054	-22,4%
Individuals	6 946 008	9 264 108	14 195 105	25 264 735	18 318 727	263,7%
Residents	6 811 716	9 186 590	14 112 872	25 029 624	18 217 908	267,4%
Non-residents	134 292	77 518	82 233	235 111	100 819	75,1%
Brokerage accounts	2	17 478	7 010	15 256	15 254	762 700,0%
Residents	2	17 478	7 010	15 256	15 254	762 700,0%
Term	6 927 144	14 406 297	20 664 010	39 700 882	32 773 738	473,1%
Corporate clients	2 583 457	4 314 806	4 520 709	4 570 273	1 986 816	76,9%
Residents	2 565 457	4 307 006	4 511 709	4 567 981	2 002 524	78,1%
up to 30 days	1 367 932	2 886 310	3 168 541	3 070 534	1 702 602	124,5%
up to 180 days	631 678	686 319	804 053	801 101	169 423	26,8%
up to 1 year	128 932	185 764	104 537	155 667	26 735	20,7%
up to 3 years	430 810	548 228	434 578	540 438	109 628	25,4%
more than 3 years	6 105	385	-	241	-5 864	-96,1%
Non-residents	-	-	-	1 292	1 292	-
up to 180 days	-	-	-	935	935	-
up to 3 years	-	-	-	357	357	-
State-owned enterprises	18 000	7 800	9 000	1 000	-17 000	-94,4%
up to 30 days	13 000	-	6 000	-	-13 000	-100,0%
up to 180 days	5 000	7 800	3 000	-	-5 000	-100,0%
up to 3 years	-	-	-	1 000	1 000	-
Individuals	4 343 687	10 091 491	16 143 301	35 130 609	30 786 922	708,8%
residents	4 307 748	10 052 241	16 087 390	35 063 838	30 756 090	714,0%
up to 180 days	486 161	628 824	143 137	211 235	-274 926	-56,6%
up to 1 year	2 891 172	7 358 821	11 323 483	21 073 614	18 182 442	628,9%
up to 3 years	827 989	1 954 214	4 522 855	13 512 414	12 684 425	1 532,0%
more than 3 years	102 426	110 382	97 915	266 575	164 149	160,3%
non-residents	35 939	39 250	55 911	66 771	30 832	85,8%
up to 180 days	868	1 193	2 433	109	-759	-87,4%
up to 1 year	11 387	30 595	38 607	41 495	30 108	264,4%
up to 3 years	18 672	6 953	14 485	24 823	6 151	32,9%
more than 3 years	5 012	509	386	344	-4 668	-93,1%
Securities issued	-	1 400	38 338	48 281	48 281	-
Promissory notes	-	-	13 220	-	-	-
up to 180 days	-	-	13 110	-	-	-
Discount accrued	-	-	110	-	-	-
Depositary certificates	-	1 400	25 118	48 281	48 281	-
up to 30 days	-	-	4 034	15 239	15 239	-
up to 180 days	-	1 400	11 636	32 102	32 102	-
more than 180 days	-	-	9 448	940	940	-
Other liabilities	672 200 899	648 765 363	694 916 220	778 116 046	105 915 147	15,8%
Other liabilities	671 607 217	648 135 983	694 256 069	777 311 890	105 704 673	15,7%
Accrued interest not yet paid	591 653	620 830	578 656	803 350	211 697	35,8%
Derivatives - liabilities	2 029	8 550	20 864	806	-1 223	-60,3%
Deferred tax liabilities	-	-	60 631	-	-	-
EQUITY	8 673 037	7 536 675	10 561 817	10 813 244	2 140 207	24,7%
Capital	335 530	436 532	556 227	229 889	-105 641	-31,5%
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	8 337 501	7 100 131	10 005 469	10 582 677	2 245 176	26,9%
Current year retained earnings	8 337 501	7 100 131	10 005 469	10 582 677	2 245 176	26,9%
Future expenses	6	12	121	678	672	11 200,0%
OFF-BALANCE SHEET	7 492 232	11 022 102	8 874 882	28 460 717	20 968 485	279,9%
Unused credit limits available	840 000	-	360 000	140 000	-700 000	-83,3%
Contingent liabilities	4 165 562	8 572 820	7 028 604	11 494 838	7 329 276	175,9%
Guarantees issued	158 780	556 649	696 702	1 032 275	873 495	550,1%
Unused credit limits opened	2 529 464	3 786 535	3 235 882	6 836 653	4 307 189	170,3%
Unused guarantee limits	1 477 318	4 229 636	3 096 020	3 625 910	2 148 592	145,4%
Collateral on loans	2 021 552	1 290 993	857 102	16 129 222	14 107 670	697,9%
goods	1 859 575	1 258 002	823 711	16 087 644	14 228 069	765,1%
securities	161 977	32 991	33 391	41 578	-120 399	-74,3%
Unprocessed payments	376 499	918 088	511 595	568 402	191 903	51,0%
Due to lack of funds on client accounts	376 499	918 088	511 595	568 402	191 903	51,0%
Other off-balance sheet accounts	88 619	240 201	117 581	128 255	39 636	44,7%
Accrued interest not yet received	64 979	62 139	62 122	65 873	894	1,4%
Written-off interest	9 536	8 509	16 788	6 967	-2 569	-26,9%
Written-off loans	14 104	169 553	38 671	55 415	41 311	292,9%
Credit card balances	168 097	160 079	152 396	159 754	-8 343	-5,0%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, entrepreneurs	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-
Risk-weighted assets	-	-	-	-	-	-