October Revolution, 209
- Branch address: Kolomna (Kolomna city district, Moscow region), October Revolution, 209 map
- Department phones:
- Working mode:
Lenina avenue, 8
- Branch address: Egorievsk (Egorievsk city district, Moscow region), Lenina avenue, 8 map
- Department phones:
- Working mode:
Youth, 2
- Branch address: Balashikha (Balashikha city district, Moscow region), Molodyozhnaya, 2 map
- Department phones:
- Working mode:
Pottery, 38
- Branch address: Moscow, Goncharnaya, 38 map
- Department phones: 88003330404 [24/7 single call], +74957440404 [24/7 single call]
Pyatnitskoe highway, 18
- Branch address: Moscow, Pyatnitskoe highway, 18 map
- Department phones:
- Working mode:
Suvorovskaya Square, 1/52 k1
- Branch address: Moscow, Suvorovskaya square, 1/52 k1 map
- Department phones: 88003330404 [24/7 single call], +74957440404 [24/7 single call]
- Working hours: Mon-Thu: 09:15 - 20:00, Fri: 09:15 - 19:00, Sat, Sun: day off
Lubyansky proezd, 25 building 1
- Branch address: Moscow, Lubyansky proezd, 25 st1 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957979405
- Working hours: Mon-Fri: 10:00 - 21:00, Sat, Sun: day off
Bolshaya Semyonovskaya, 38 k A
- Branch address: Moscow, Bolshaya Semyonovskaya, 38 k A map
- Department phones: 88003330404 [24/7 single call], +74957440404 [24/7 single call]
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Bratislavskaya, 10
- Branch address: Moscow, Bratislavskaya, 10 map
- Department phones: 88003330404 [24-hour unified inquiry], +74957440404 [24-hour unified information], +74957974022
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Vernadsky Avenue, 105
- Branch address: Moscow, Vernadsky prospect, 105 map
- Department phones: 88003330404 [24/7 single call], +74957440404 [24/7 single call], +74959813477
- Opening hours: daily: 10:00 - 21:00
Maria Rubtsova, 5
- Branch address: Khimki (Khimki city district, Moscow region), Maria Rubtsova, 5 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957950973, +74957754536
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Dmitrovskoe highway, 100
- Branch address: Moscow, Dmitrovskoe shosse, 100 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957254002
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Mira Avenue, 102 k2
- Branch address: Moscow, Mira prospect, 102 k2 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957975886
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Leningradsky prospect, 74 k4
- Branch address: Moscow, Leningradsky prospect, 74 k4 map
- Department phones: 88003330404 [24/7 single call], +74957440404 [24/7 single call]
Lenina, 39B
- Branch address: Krasnogorsk (Krasnogorsk city district, Moscow region), Lenina, 39B map
- Department phones: 88003330404 [24-hour unified inquiry], +74957440404 [24-hour unified information], +74955450394, +74955450395
- Working hours: Mon-Fri: 09:00 - 21:00, Sat: 10:00 - 17:00, Sun: day off
Khoroshevskoe highway, 1
- Branch address: Moscow, Khoroshevskoe highway, 1 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957440404 [multichannel]
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Avtozavodsky 1st passage, 4 k1
- Branch address: Moscow, Avtozavodsky 1st passage, 4 k1 map
- Department phones: 88003330404 [24/7 single call], +74957440404 [24/7 single call], +74956412529, +74957440404 [multichannel]
- Working hours: Mon-Fri: 09:00 - 21:00, Sat: 10:00 - 17:00, Sun: day off
Kutuzovsky prospect, 30
- Branch address: Moscow, Kutuzovsky prospect, 30 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957750989
- Working hours: Mon-Fri: 09:00 - 21:00, Sat: 10:00 - 17:00, Sun: day off
Vladimirskaya 2nd, 45
- Branch address: Moscow, Vladimirskaya 2nd, 45 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957839190
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Dezhneva proezd, 13
- Branch address: Moscow, Dezhneva proezd, 13 map
- Department phones: 88003330404 [24-hour single help desk], +74957440404 [24-hour single help desk], +74957870178
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Initiative, 8
- Branch address: Lyubertsy (Lyubertsy district, Moscow region), Initiative, 8 map
- Department phones: 88003330404 [24-hour unified inquiry], +74957440404 [24-hour unified information], +74957440404 [multichannel], +74957834068
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Mozhayskoe highway, 87
- Branch address: Odintsovo ( Odintsovskii district, Moscow region), Mozhayskoe highway, 87 map
- Department phones: 88003330404 [24-hour unified inquiry], +74957440404 [24-hour unified information], +74959814580
- Working hours: Mon-Fri: 10:00 - 19:00, Sat, Sun: day off
Uniastrum Bank was registered in March 1994 in the form joint-stock company closed type. The first shareholders with an authorized capital of 200 thousand rubles were Uniastrum Holding CJSC, Ipromashprom OJSC, Interengineering CJSC, the Moscow Aviation Institute and the Uglegorsk Pulp and Paper Plant. Since 2000, the bank has been operating as a limited liability company. In the same 2000, the bank received a license to work with precious metals, and in 2005 - a general banking license. For a long time, Uniastrum remained a "bank for acquaintances." Sometimes it was called the bank of the Armenian diaspora, since many of the financial institution's VIP clients are Armenian citizens doing business in Russia.
In 2001, Uniastrum created its own UNIStream money transfer system, which for a long time formed a significant part of the business credit institution. In 2006, the system became an independent bank (JSC CB Unistream) and today it occupies a good position in the money transfer market. With the direct participation of UNIStream, the International Association of Money Transfer Networks (IAMTN) was founded, bringing together the leading participants in this market from all over the world.
Since November 2004, Uniastrum Bank has been a member of the deposit insurance system.
In mid-November 2016, the procedure for the merger of Uniastrum Bank with Vostochny Bank began. The planned date for the reorganization is the first quarter of 2017. It was also reported that the shareholders of Uniastrum Bank will receive about 40% in the united bank.
Just over 80% of Uniastrum Bank's shares are owned by BoC Russia (Holdings) Ltd. Previously, the company was 80% controlled by the Bank of Cyprus Public Company Ltd. * (Public Joint Stock Company of the Bank of Cyprus), and two more 10% stakes each belonged to the former management of the bank - Gagik Zakaryan and Georgy Piskov (currently the main owners of the bank JSC KB Unistream). In September 2015, there were reports of the purchase of a 100% stake in BoC Russia (Holdings) Ltd for 7 million euros by entrepreneur Artem Avetisyan, who until August 2016 was the sole beneficial owner of CB Unistream.
At the moment, a member of the board of directors, the president of the bank Artem Avetisyan owns 80.02% of the shares of Uniastrum Bank, 9.99% stakes are owned by a member of the board of directors Sherzod Yusupov and Yuri Danilov.
The bank's branch network includes eight branches (in Rostov-on-Don, Perm, Chelyabinsk, Stavropol, Krasnodar, Novosibirsk, St. Petersburg, Nizhny Novgorod), 40 additional offices, five operating cash desks outside the cash node and 44 operating offices. The bank's own network of terminals and ATMs includes more than 270 devices. The headcount as of January 1, 2016 was 1,907 people.
The Bank offers its customers a fairly wide range of products and services. Individuals have access to consumer, mortgage and car loans, deposits, Money transfers(UNIStream, Western Union), plastic cards, internet banking, investments. For legal entities lending is offered settlement and cash services, deposits, leasing, acquiring, payroll projects, corporate cards, etc. The main activities of a credit institution are attracting deposits, maintaining customer accounts, providing loans and guarantees, cash management services. With the arrival of the new owner of the bank, a number of media reported that the bank plans to concentrate its activities on working with small and medium-sized businesses, as well as supporting real sector economy.
Since the beginning of 2016, the net assets of the credit institution have shown significant growth (+24.2 billion rubles, or 28.6%) and as of December 1, amounted to 108.8 billion rubles. The increase in the passive part of the balance sheet is due to an increase in the volume of deposits of individuals (+14.6 billion rubles), funds attracted from banks (+10.2 billion rubles). Positive dynamics was also shown by balances on settlement accounts and deposits of corporate clients (+1.2 billion rubles) and equity (+375.1 million rubles). At the same time, the volume of balances on loro accounts decreased (-27.7 million rubles), and the bank also reduced the volume of its own issued promissory notes to zero. In the active part of the balance sheet, borrowed funds were attracted to the portfolio valuable papers(+23 billion rubles) and to the loan portfolio (+9.5 billion rubles). The volume of loans to banks (-6.2 billion rubles), highly liquid (-2.8 billion rubles) and other assets (-532 million rubles) decreased.
A significant share in the composition of liabilities is formed by deposits of individuals, whose share as of December 1, 2016 amounted to 63.2%. Since the beginning of the current year, their volume has increased by 26.9% - up to 68.8 billion rubles as of the reporting date. Most of the portfolio of fixed-term funds of individuals (59.5%) is attracted for a period of 181 days to one year. Another 12.4% of liabilities were attracted from banks, including from the Central Bank of the Russian Federation on REPO transactions. Their volume has increased sharply since the beginning of 2016 (slightly more than four times), amounting to 13.5 billion rubles as of December 1. A significant amount of attraction comes from Russian banks for up to 30 days (74.8%). The bank's own funds form 11.7% of net liabilities, their volume increased by 3%, while the adequacy ratio own funds(H1.0), calculated according to the methodology of the Central Bank of the Russian Federation, shows a negative trend: its value decreased from 15.4% to 10.6% as of December 1, 2016 (with a minimum of 8%). Current account balances (mainly) and deposits of corporate clients account for 6.7%.
The bank's client base is quite large, since the beginning of 2016, the turnover on client accounts has been stable and amounts to 36.4-94.6 billion rubles monthly. Fund dependency individuals rated as high.
The main share of net assets falls on the loan portfolio (43.7%), another 28.3% forms a portfolio of securities, 12% are fixed assets and intangible assets, 7.4% - other assets, 5.4% - highly liquid assets, 1.9% - loans to banks.
The loan portfolio - 47.5 billion rubles, has increased by 25% since the beginning of this year due to corporate lending (+16 billion rubles). At the same time, the retail portfolio decreased by 6.5 billion rubles. 81.7% of the portfolio is represented by corporate loans, 18.3% are retail loans. The volume of overdue debt in the whole loan portfolio has almost halved, as a result of which the share of overdue debt in the whole portfolio has also decreased - from 25.1% to 11.1%. The provisioning level for the portfolio is 11.5%, which is also decreasing in dynamics (at the beginning of 2016 - 26.8%). The loan portfolio is secured by a pledge of property in the amount of 51 billion rubles (107.3% of the total loan portfolio), which is a sufficient level of security.
According to IFRS statements for 2015, the structure of the corporate loan portfolio was dominated by such sectors of the economy as the service sector (22.2%), trade enterprises (17.2%), investments in real estate (9.6%), industrial production ( 7.9%). As of December 31, 2015, the total amount of loans issued by the bank to the ten largest borrowers amounted to RUB 10.2 billion, or 20.9% of the total loan portfolio.
The portfolio of securities for the period under review showed a sharp increase(almost four times), amounting to 30.8 billion rubles as of the reporting date (at the beginning of 2016, the volume of investments in the portfolio was 7.8 billion rubles). About 82% of the portfolio is represented by investments in bonds, the rest is distributed between corporate promissory notes and investments in private Russian companies. Most of the bonds (51%) were pledged under REPO operations, 25.1% are corporate bonds, including foreign issuers, 5.7% - bonds credit institutions. Portfolio turnover shows a steady growing trend - from 1.1 billion rubles at the beginning of the year to 330 billion rubles at the reporting date.
Highly liquid assets for the analyzed period decreased by 32.4% and as of December 1, 2016 amounted to 5.8 billion rubles against 8.6 billion rubles at the beginning of 2016. The main volume of highly liquid assets falls on a correspondent account with the Central Bank of the Russian Federation (51.3%), while a significant share is also accounted for by cash balances (39.1%). The remainder is made up of balances on nostro accounts in Russian and foreign banks.
The bank is an active player in the interbank lending market, acting mostly as a net borrower, with turnover as of the reporting date amounting to 126.2 billion rubles, while the activity of turnover on liquidity placement has decreased since the beginning of the year from 58.3 billion rubles to 2 billion rubles by 1 December 2016. Also, during the analyzed period, the bank increased the turnover on attraction within the framework of REPO operations. It is a market maker on the market of conversion operations with a monthly turnover of 551-703 billion rubles on the corresponding accounts.
According to RAS reporting data, at the end of 2015 the bank received a profit in the amount of 960.7 million rubles (at the end of 2014, the same indicator was 320.7 million rubles). For 11 months of 2016, the bank recorded a profit in the amount of 860.5 million rubles.
Board of Directors: Andrey Nikitin (chairman), Artem Avetisyan (bank president), Alexander Cherstov, Alla Tsytovich, Svetlana Chupsheva, Svetlana Trukhanovich, Sherzod Yusupov, Artem Konstandyan.
Governing body: Alla Tsytovich (Chairman), Natalya Karaseva, Dmitry Danilin, Oksana Misane, Vyacheslav Arutyunyan, Lidia Bormashova ( Chief Accountant), Renat Badakhov.
* Bank of Cyprus - the largest and oldest bank in Cyprus (founded in 1899), acquired 80% of Uniastrum in October 2008 for $576 million.
Bank license revoked
Termination of activities in connection with the reorganization in the form of the merger of LLC "CB "Uniastrum Bank" to PJSC "Eastern Express Bank" . The record of registration of a credit institution was canceled in accordance with document No. 2172800030434 dated 01/20/2017.
Information about Uniastrum LLC
Reliability of the Bank
Uniastrum LLC was founded in 1994 and today it is considered one of the largest Russian banks, which, according to many of its financial indicators, is among the top thirty banks in the Russian Federation. Over its twenty-year history, the bank has developed dynamically and improved its position in financial market, and now we have before us - a universal financial institution that is resistant to shocks and changes, which offers its services to both individuals and corporate clients. The branch network of Uniastrum Bank is unique and is considered one of the largest in the country; it is represented in almost 50 regions of Russia: more than 40 branches, about 200 additional offices, more than 10 cash desks and 30 operational offices.
Uniastrum Bank in Moscow offers its customers all the classic types financial transactions that are on the market banking services. But the Bank considers its main activity to be settlement and cash services and lending to small businesses and organizations. Uniastrum Bank also places special emphasis in its work on attracting citizens' funds to deposits.