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

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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. 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	5 025 922	5 025 922
High liquid assets	455 346	455 346
Cash and equivalents	409 736	409 736
Cash	153 073	153 073
in cash and en route	129 342	129 342
in ATMs	23 731	23 731
Nostro account with Central Bank	256 663	256 663
Nostro accounts	42 172	42 172
Non-residents	1 531	1 531
Residents	40 641	40 641
Money in transfer	6 474	6 474
Exchange accounts	42	42
Provision for impairment of high-liquid assets	-3 078	-3 078
Interest-earning assets	3 337 924	3 337 924
Dues from banks	5 045	5 045
Residents	6 054	6 054
up to 30 days	6 054	6 054
Provision for impairment of loans to banks	-1 009	-1 009
Securities	19 503	19 503
Promissory notes	19 503	19 503
Banks	19 503	19 503
Loans to corporate clients	3 026 545	3 026 545
residents	3 479 500	3 479 500
up to 30 days	33 399	33 399
up to 180 days	8 196	8 196
up to 1 year	1 971 667	1 971 667
up to 3 years	1 453 002	1 453 002
more than 3 years	13 236	13 236
Past-due	38 054	38 054
residents	38 054	38 054
Provision for impairment of corporate loans	-491 009	-491 009
residents	-491 009	-491 009
Loans to private entrepreneurs	60 259	60 259
up to 30 days	1 218	1 218
up to 1 year	5 490	5 490
up to 3 years	54 219	54 219
Past-due	2 326	2 326
Provision for impairment of loans to private entrepreneurs	-2 994	-2 994
Loans to individuals	226 572	226 572
Standard	190 501	190 501
up to 30 days	4 045	4 045
up to 180 days	33 260	33 260
up to 1 year	54 539	54 539
up to 3 years	47 983	47 983
more than 3 years	50 674	50 674
Past-due	182 531	182 531
Past-due	182 531	182 531
Provision for impairment of loans to individuals	-146 460	-146 460
Other assets	1 232 652	1 232 652
Mandatory reserves with Central Bank	117 073	117 073
Premises and equipment	629 824	629 824
Purchase cost	728 348	728 348
Depreciation	-98 524	-98 524
Accrued interest not yet received	2 106	2 106
Assets under management	189 207	189 207
Other assets	357 790	357 790
Provision for impairment of other assets	-72 394	-72 394
Deferred tax asset	9 046	9 046
LIABILITIES	4 259 759	4 259 759
Dues to banks	60 001	60 001
On demand	1	1
Residents	1	1
Term	60 000	60 000
Residents	60 000	60 000
Past-due	60 000	60 000
On demand	731 421	731 421
Corporate clients	593 105	593 105
State-owned enterprises	31	31
Residents	593 010	593 010
Non-residents	64	64
Individuals	138 281	138 281
Residents	137 749	137 749
Non-residents	532	532
Brokerage accounts	35	35
Residents	35	35
Term	3 322 225	3 322 225
Corporate clients	539 414	539 414
Residents	202 024	202 024
up to 1 year	4	4
up to 3 years	52 020	52 020
more than 3 years	150 000	150 000
State-owned enterprises	337 390	337 390
up to 3 years	337 390	337 390
Individuals	2 782 811	2 782 811
residents	2 776 073	2 776 073
up to 180 days	81 807	81 807
up to 1 year	626 502	626 502
up to 3 years	2 067 760	2 067 760
more than 3 years	4	4
non-residents	6 738	6 738
up to 1 year	1 474	1 474
up to 3 years	5 264	5 264
Other liabilities	146 112	146 112
Other liabilities	90 057	90 057
Accrued interest not yet paid	36 490	36 490
Deferred tax liabilities	19 565	19 565
EQUITY	766 163	766 163
Capital	862 779	862 779
Profit from previous years	-5 098	-5 098
Retained earnings from previous years	-5 098	-5 098
Current year profit	-91 145	-91 145
Current year retained earnings	-91 145	-91 145
Future expenses	-373	-373
OFF-BALANCE SHEET	3 415 430	3 415 430
Unused credit limits available	100 000	100 000
Contingent liabilities	-459 457	-459 457
Guarantees issued	-334 481	-334 481
Unused credit limits opened	-124 976	-124 976
Collateral on loans	3 480 876	3 480 876
goods	3 465 381	3 465 381
securities	15 495	15 495
Unprocessed payments	357 854	357 854
Due to lack of funds on client accounts	357 854	357 854
Other off-balance sheet accounts	-63 843	-63 843
Accrued interest not yet received	29 336	29 336
Written-off interest	-37 943	-37 943
Written-off loans to banks	-5 000	-5 000
Written-off loans	-50 236	-50 236
Credit card balances	4 045	4 045
Risk-weighted assets	5 804 942	5 804 942
Reserve rates:
Loans to banks:	-16,67%	-100,0%
Customer loans, total:	-15,96%	-100,0%
including corporate loans:	-13,80%	-100,0%
including individual loans:	-39,26%	-100,0%
Past-due rate:	-5,64%	-100,0%
corporate clients:	-1,13%	-100,0%
individuals:	-48,93%	-100,0%

You can also get acquainted with balance sheet aggregation methodics.

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