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Объединенные Кредитные Системы (UCSS)
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Объединенные Кредитные Системы Balance Sheet 2020-2013 | UCSS
Brief overview of Объединенные Кредитные Системы's balance sheet strength
This overview follows the five latest available annual observations between 2013 and 2017.
Total assets increased by +100.5%, from ₽218.7 billion to ₽438.3 billion. A CAGR near 19% points to substantial expansion.
Asset growth of +100.5% was close to the +108% change in liabilities, leaving the funding profile broadly stable.
A liability-heavy structure is normal for a financial institution; equity represents 3.9% of assets, from 12.1% initially.
The balance sheet includes a negative accumulated result of -₽8.3 billion. It should be assessed alongside historical profits and capital distributions.
Conclusion
Объединенные Кредитные Системы's financial structure calls for caution. Stronger equity, lower debt or restored liquidity would be needed to improve it.
Annual Balance Sheet Объединенные Кредитные Системы
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|
Cash And Cash Equivalents |
840 M | 378 M | 39 M | 35.5 B | 32.9 B | 66.1 B | 45.1 B | 28.9 B |
Total Current Assets |
840 M | 378 M | 57 M | 42.8 B | 42.2 B | 68.8 B | 46 B | 29.4 B |
Property Plant Equipment Net |
- | - | - | 16.3 B | 11 B | 11.9 B | 12.8 B | 10.9 B |
Intangible Assets |
- | - | - | 632 M | 683 M | 595 M | 666 M | 511 M |
Goodwill And Intangible Assets |
- | - | - | 632 M | 808 M | 720 M | 791 M | 511 M |
Long-Term Investments |
12.4 B | 2.62 B | 8.47 B | 41.1 B | 49.8 B | 29.5 B | 16.9 B | 16.5 B |
Total Non Current Assets |
30.6 B | 2.62 B | 8.47 B | 58.1 B | 61.6 B | 42.1 B | 30.4 B | 27.9 B |
Total Assets |
19.1 B | 18.5 B | 8.53 B | 438 B | 445 B | 425 B | 359 B | 219 B |
Tax Payables |
- | - | - | 462 M | 1.31 B | 897 M | 558 M | 193 M |
Total Current Liabilities |
8 M | 3 M | - | - | - | - | - | - |
Total Non Current Liabilities |
- | - | - | 397 B | 397 B | 383 B | 317 B | 191 B |
Total Liabilities |
489 M | 3 M | 8 M | 397 B | 397 B | 383 B | 317 B | 191 B |
Retained Earnings |
-5.37 B | -6.02 B | -15.1 B | -8.29 B | 2.94 B | 3.89 B | 8.58 B | 6.19 B |
Accumulated Other Comprehensive Income Loss |
- | 82 M | - | -1.24 B | -1.06 B | -568 M | -648 M | -106 M |
Total Stockholders Equity |
18.6 B | 18 B | 8.52 B | 16.9 B | 27.7 B | 28.1 B | 32 B | 26.4 B |
Total Liabilities And Stockholders Equity |
19.1 B | 18.5 B | 8.53 B | 438 B | 445 B | 425 B | 359 B | 219 B |
Total Investments |
12.4 B | 2.62 B | 8.47 B | 41.1 B | 49.8 B | 29.5 B | 16.9 B | 16.5 B |
Total Debt |
- | - | - | 77.7 B | 74.3 B | 72.4 B | 71.5 B | 61.8 B |
Net Debt |
-840 M | -378 M | -39 M | 42.2 B | 41.4 B | 6.22 B | 26.4 B | 33 B |
Annual performance
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All numbers in RUB currency
Quarterly Balance Sheet Объединенные Кредитные Системы
| 2023-Q2 | 2023-Q1 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Cash Equivalents |
6.74 M | 6.74 M | 347 M | 347 M | 840 M | 840 M | 66 M | 66 M | 378 M | 378 M | 51 M | 51 M | 39 M | 39 M | 43.6 B | 35.5 B | 35.5 B | 32.7 B | 36.7 B | - | 32.9 B | 31.3 B | 23.8 B | 66.1 B | 56.2 B | 37.1 B | 24 B | 45.1 B | 32.9 B | 49.8 B | 24 B | - | 26.1 B |
Total Current Assets |
6.74 M | 6.74 M | 347 M | 347 M | 840 M | 840 M | 66 M | 66 M | 378 M | 378 M | 51 M | 51 M | 57 M | 39 M | 44.1 B | 35.5 B | 42.8 B | 32.7 B | 38.4 B | - | 42.2 B | 33 B | 23.8 B | 68.8 B | 56.2 B | 38.5 B | 24 B | 46 B | 32.9 B | 50.3 B | 24 B | - | 26.1 B |
Property Plant Equipment Net |
- | - | 33 K | 33 K | - | - | - | - | - | - | - | - | - | - | 13.5 B | 13.5 B | 16.3 B | 16.3 B | 11.9 B | - | 11 B | 11.9 B | 11.9 B | 11.9 B | 11.9 B | 12.6 B | 12.6 B | 12.8 B | 12.8 B | 11.8 B | 11.8 B | - | 2.6 B |
Intangible Assets |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 632 M | 632 M | - | - | 683 M | - | - | 595 M | 595 M | 657 M | 657 M | 666 M | 666 M | 597 M | 597 M | - | 482 M |
Goodwill And Intangible Assets |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 632 M | 632 M | - | - | 808 M | - | - | 720 M | 720 M | 782 M | 782 M | 791 M | 791 M | 752 M | 752 M | - | 482 M |
Long-Term Investments |
- | - | 13.1 B | - | 12.4 B | - | 6.46 B | - | 2.62 B | - | 9.59 B | - | 8.47 B | - | 15 B | - | 41.1 B | - | 56.3 B | - | 49.8 B | 45.9 B | - | 29.5 B | - | 30.7 B | - | 16.9 B | - | 26.5 B | - | - | 18.1 B |
Total Non Current Assets |
22 B | 22 B | 13.1 B | 19.1 B | 12.4 B | 18.2 B | 6.46 B | 18.5 B | 2.62 B | 18.1 B | 9.59 B | 10.5 B | 8.47 B | 8.49 B | 28.5 B | 404 B | 58.1 B | 406 B | 68.2 B | - | 61.6 B | 57.8 B | 408 B | 42.1 B | 369 B | 44 B | 341 B | 30.4 B | 326 B | 39 B | 290 B | - | 21.1 B |
Total Assets |
22 B | 22 B | 19.5 B | 19.5 B | 19.1 B | 19.1 B | 18.6 B | 18.6 B | 18.5 B | 18.5 B | 10.5 B | 10.5 B | 8.53 B | 8.53 B | 440 B | 440 B | 438 B | 438 B | 471 B | - | 445 B | 431 B | 431 B | 425 B | 425 B | 365 B | 365 B | 359 B | 359 B | 314 B | 314 B | - | 122 B |
Tax Payables |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 462 M | - | - | - | 1.31 B | - | - | 897 M | - | 1.58 B | - | 558 M | - | 106 M | - | - | 57 M |
Total Current Liabilities |
- | - | - | - | - | 8 M | - | - | - | 3 M | - | 4 M | - | 3 M | - | - | - | 1.08 B | - | - | - | - | - | - | 1.64 B | - | 1.63 B | - | 1.45 B | - | 628 M | - | - |
Long-Term Debt |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 70.1 B | - | 70 B | - | - | - | - | 71.4 B | - | 53.7 B | - | 70.2 B | - | 63.5 B | - | 74.3 B | - | 26.1 B |
Total Non Current Liabilities |
79.4 M | - | - | 663 M | - | 481 M | - | 648 M | - | 444 M | - | - | - | 5 M | 76.6 B | 412 B | 77.7 B | 396 B | 71.5 B | -48.2 B | 74.3 B | 76.5 B | 385 B | 72.4 B | 381 B | 74.7 B | 318 B | 71.5 B | 315 B | 64 B | 279 B | - | 26.1 B |
Total Liabilities |
79.4 M | - | - | 663 M | - | 489 M | - | 648 M | - | 447 M | - | 4 M | - | 8 M | 76.6 B | 412 B | 77.7 B | 397 B | 71.5 B | -48.2 B | 74.3 B | 76.5 B | 385 B | 72.4 B | 383 B | 74.7 B | 320 B | 71.5 B | 317 B | 64 B | 279 B | - | 26.1 B |
Retained Earnings |
-2.03 B | -2.03 B | -5.14 B | -5.14 B | -5.37 B | -5.37 B | -6.04 B | -6.04 B | -6.02 B | -6.02 B | -13.1 B | -13.1 B | -15.1 B | -15.1 B | -14.6 B | -15.4 B | -8.29 B | -8.29 B | 3.11 B | - | 2.94 B | 5.85 B | 5.85 B | 3.89 B | 3.89 B | 10.4 B | 10.4 B | 8.58 B | 8.58 B | 6.49 B | 6.49 B | - | 5.56 B |
Accumulated Other Comprehensive Income Loss |
-3 K | -3 K | - | -0.0 | - | - | - | 25 M | - | 82 M | - | -333 M | - | -323 M | - | 810 M | - | 1.28 B | - | 27.7 B | - | - | 653 M | - | 242 M | - | 522 M | - | -271 M | - | 341 M | - | - |
Total Stockholders Equity |
21.9 B | 21.9 B | 18.8 B | 18.8 B | 18.6 B | 18.6 B | 17.9 B | 17.9 B | 18 B | 18 B | 10.5 B | 10.5 B | 8.52 B | 8.52 B | 9.38 B | 9.38 B | 16.9 B | 16.9 B | 28.4 B | 48.2 B | 27.7 B | 30.5 B | 30.5 B | 28.1 B | 28.1 B | 34.6 B | 34.6 B | 32 B | 32 B | 27 B | 27 B | - | 25.7 B |
Total Liabilities And Stockholders Equity |
22 B | 21.9 B | 19.5 B | 19.5 B | 19.1 B | 19.1 B | 18.6 B | 18.6 B | 18.5 B | 18.5 B | 10.5 B | 10.5 B | 8.53 B | 8.53 B | 440 B | 440 B | 438 B | 438 B | 471 B | - | 445 B | 431 B | 431 B | 425 B | 425 B | 365 B | 365 B | 359 B | 359 B | 314 B | 314 B | - | 122 B |
Total Investments |
- | - | 13.1 B | - | 12.4 B | - | 6.46 B | - | 2.62 B | - | 9.59 B | - | 8.47 B | - | 15 B | - | 41.1 B | - | 56.3 B | - | 49.8 B | 45.9 B | - | 29.5 B | - | 30.7 B | - | 16.9 B | - | 26.5 B | - | - | 18.1 B |
Total Debt |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 76.6 B | 70.1 B | 77.7 B | 70 B | 71.5 B | - | 74.3 B | 76.5 B | 71.4 B | 72.4 B | 53.7 B | 74.7 B | 70.2 B | 71.5 B | 63.5 B | 64 B | 74.3 B | - | 26.1 B |
Net Debt |
-6.74 M | -6.74 M | -347 M | -347 M | -840 M | -840 M | -66 M | -66 M | -378 M | -378 M | -51 M | -51 M | -39 M | -39 M | 32.9 B | 34.6 B | - | 37.3 B | 34.9 B | - | - | 45.2 B | 47.6 B | - | -2.44 B | 37.6 B | 46.2 B | - | 30.7 B | 14.2 B | 50.3 B | - | -36 M |
Quarterly performance
Select metrics to display
All numbers in RUB currency
Balance Sheet is a fundamental financial report of Объединенные Кредитные Системы, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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