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

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	RUSUNIVERSALBANK	add to comparison
Central Bank of Russia registration number: 3293 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.


Balance sheet position, thous. rub.	01.01.2022	>> Turnover >>		Turnover / amount	Turnover / assets	Period change
ASSETS	13 024 517	109 252 283	11 710 701	8,4	9,3	-1 313 816	-10,1%
High liquid assets	173 273	31 050 672	183 890	179,2	2,7	10 617	6,1%
Cash and equivalents	136 767	22 233 327	148 317	162,6	1,9	11 550	8,4%
Cash	114 822	160 226	130 081	1,4	0,0	15 259	13,3%
in cash and en route	106 859	147 121	117 707	1,4	0,0	10 848	10,2%
in ATMs	7 963	13 105	12 374	1,6	0,0	4 411	55,4%
Nostro account with Central Bank	21 945	22 076 810	18 236	1 006,0	1,9	-3 709	-16,9%
Nostro accounts	24 079	1 404 006	23 433	58,3	0,1	-646	-2,7%
Non-residents	12 955	9 435	12 885	0,7	0,0	-70	-0,5%
Residents	11 124	1 394 571	10 548	125,4	0,1	-576	-5,2%
Money in transfer	13 189	7 414 272	12 902	562,2	0,6	-287	-2,2%
Provision for impairment of high-liquid assets	-762	-	-762	0,0	0,0	-	0,0%
Interest-earning assets	9 882 210	17 142 370	9 208 570	1,7	1,5	-673 640	-6,8%
Dues from banks	6 507 429	17 000 216	5 807 782	2,6	1,5	-699 647	-10,8%
Central Bank of Russia	6 500 000	17 000 000	5 800 000	2,6	1,5	-700 000	-10,8%
Non-residents	7 429	569	7 782	0,1	0,0	353	4,8%
up to 30 days	7 429	569	7 782	0,1	0,0	353	4,8%
Securities	1 319 354	50 104	1 292 960	0,0	0,0	-26 394	-2,0%
Bonds	1 231 981	41 752	1 207 811	0,0	0,0	-24 170	-2,0%
Federal Loan Bonds (OFZs), OBRs	899 751	5 377	904 536	0,0	0,0	4 785	0,5%
Corporate bonds	381 231	2 390	383 621	0,0	0,0	2 390	0,6%
Valuation allowance	-43 298	41 064	-74 547	0,9	0,0	-31 249	72,2%
Provision for impairment of bonds	-5 703	96	-5 799	0,0	0,0	-96	1,7%
Promissory notes	87 373	8 352	85 149	0,1	0,0	-2 224	-2,5%
Corporate	87 947	7 846	85 798	0,1	0,0	-2 149	-2,4%
Provision for impairment of promissory notes	-574	506	-649	0,9	0,0	-75	13,1%
Loans to corporate clients	2 045 236	144 448	2 097 827	0,1	0,0	52 591	2,6%
residents	2 056 210	143 774	2 108 889	0,1	0,0	52 679	2,6%
up to 1 year	1 247 646	85 323	1 264 098	0,1	0,0	16 452	1,3%
up to 3 years	808 564	58 451	844 791	0,1	0,0	36 227	4,5%
Past-due	387 719	4	387 723	0,0	0,0	4	0,0%
residents	387 719	4	387 723	0,0	0,0	4	0,0%
Provision for impairment of corporate loans	-398 693	762	-398 785	0,0	0,0	-92	0,0%
residents	-398 693	762	-398 785	0,0	0,0	-92	0,0%
Loans to individuals	10 191	193	10 001	0,0	0,0	-190	-1,9%
Standard	10 295	193	10 102	0,0	0,0	-193	-1,9%
up to 1 year	167	34	133	0,2	0,0	-34	-20,4%
up to 3 years	8 924	73	8 851	0,0	0,0	-73	-0,8%
more than 3 years	1 204	86	1 118	0,1	0,0	-86	-7,1%
Provision for impairment of loans to individuals	-104	3	-101	0,0	0,0	3	-2,9%
Provision for impairment of loans past-due	-	-	-	-	-	-	-
Other assets	2 969 034	61 069 858	2 318 241	20,6	5,2	-650 793	-21,9%
Mandatory reserves with Central Bank	329 075	1 915	330 990	0,0	0,0	1 915	0,6%
Premises and equipment	68 799	9 987	67 218	0,1	0,0	-1 581	-2,3%
Purchase cost	130 335	8 406	130 615	0,1	0,0	280	0,2%
Depreciation	-61 536	1 861	-63 397	0,0	0,0	-1 861	3,0%
Accrued interest not yet received	2 992	53 714	6 674	18,0	0,0	3 682	123,1%
Other assets	2 572 221	61 008 817	1 917 628	23,7	5,2	-654 593	-25,4%
Provision for impairment of other assets	-6 663	1 022	-6 879	0,2	0,0	-216	3,2%
Deferred tax asset	2 610	-	2 610	0,0	0,0	-	0,0%
LIABILITIES	5 664 771	66 962 965	4 343 600	11,8	5,7	-1 321 171	-23,3%
On demand	5 066 267	12 721 534	3 688 617	2,5	1,1	-1 377 650	-27,2%
Corporate clients	5 023 134	12 175 657	3 646 042	2,4	1,0	-1 377 092	-27,4%
Residents	2 521 394	9 039 679	2 541 290	3,6	0,8	19 896	0,8%
Non-residents	2 501 740	3 155 874	1 104 752	1,3	0,3	-1 396 988	-55,8%
Individuals	43 133	545 877	42 575	12,7	0,0	-558	-1,3%
Residents	43 133	545 877	42 575	12,7	0,0	-558	-1,3%
Term	507 899	368 499	565 356	0,7	0,0	57 457	11,3%
Corporate clients	115 000	150 000	165 000	1,3	0,0	50 000	43,5%
Residents	115 000	150 000	165 000	1,3	0,0	50 000	43,5%
up to 30 days	-	150 000	150 000	-	-	150 000	-
up to 180 days	115 000	100 000	15 000	0,9	0,0	-100 000	-87,0%
up to 1 year	-	-	-	-	-	-	-
Individuals	392 899	218 499	400 356	0,6	0,0	7 457	1,9%
residents	392 899	218 499	400 356	0,6	0,0	7 457	1,9%
up to 1 year	392 899	218 499	400 356	0,6	0,0	7 457	1,9%
Securities issued	8 915	682	9 338	0,1	0,0	423	4,7%
Promissory notes	8 915	682	9 338	0,1	0,0	423	4,7%
on demand	8 915	682	9 338	0,1	0,0	423	4,7%
Other liabilities	81 690	53 930 130	80 289	660,2	4,6	-1 401	-1,7%
Other liabilities	80 965	53 917 905	79 623	665,9	4,6	-1 342	-1,7%
Accrued interest not yet paid	725	12 225	666	16,9	0,0	-59	-8,1%
EQUITY	7 359 746	9 975 802	7 367 101	1,4	0,9	7 355	0,1%
Capital	2 489 191	41 064	2 457 942	0,0	0,0	-31 249	-1,3%
Profit from previous years	4 643 032	4 768 714	4 867 619	1,0	0,4	224 587	4,8%
Retained earnings from previous years	4 643 032	4 768 714	4 867 619	1,0	0,4	224 587	4,8%
Current year profit	227 523	5 383 256	41 540	23,7	0,5	-185 983	-81,7%
Current year retained earnings	227 523	5 383 256	41 540	23,7	0,5	-185 983	-81,7%
OFF-BALANCE SHEET	2 035 155	163 761	2 202 954	0,1	0,0	167 799	8,2%
Unused credit limits available	1 500 000	-	1 500 000	0,0	0,0	-	0,0%
Contingent liabilities	-1 378 343	10 482	-1 369 129	0,0	0,0	9 214	-0,7%
Guarantees issued	-36 835	4	-36 837	0,0	0,0	-2	0,0%
Unused credit limits opened	-1 341 508	10 480	-1 332 292	0,0	0,0	9 216	-0,7%
Collateral on loans	1 926 761	162 453	2 085 387	0,1	0,0	158 626	8,2%
goods	1 917 846	161 771	2 076 049	0,1	0,0	158 203	8,2%
securities	8 915	682	9 338	0,1	0,0	423	4,7%
Unprocessed payments	1 433	39	1 394	0,0	0,0	-39	-2,7%
Due to lack of funds on client accounts	1 433	39	1 394	0,0	0,0	-39	-2,7%
Other off-balance sheet accounts	-14 696	3	-14 698	0,0	0,0	-2	0,0%
Written-off loans	-14 696	3	-14 698	0,0	0,0	-2	0,0%
Past due ratio, total	1 580	-	1 547	0,0	0,0	-33	-2,1%
Past due ratio, individuals	-	-	-	-	-	-	-
Past due ratio, corporates	1 586	-	1 553	0,0	0,0	-33	-2,1%
Past due ratio, corporates + entrepreneurs	1 586	-	1 553	0,0	0,0	-33	-2,1%
Risk-weighted assets	4 263 308	-	4 296 374	0,0	0,0	33 066	0,8%