Appendix 1

to the Procedure for preparation and submission of reports by credit unions and joint credit unions to the National Commission for State Regulation of Financial Services Markets

 

GENERAL INFORMATION ABOUT THE CREDIT UNION

for 2017

ZaRaZ CREDIT UNION
(full name of the credit union)

 

Location: postal code, address03039 KYIV, KYIV 39, V. Zabily, building 5
City code, phone, fax, e-mail, website (web page)Tel code: 044 Tel: 5255497 Fax: 5255427 at. mail: cu_zaraz@ukr.net
Credit union identification code according to the USREOU37716197
Registration number in the State Register of Financial Institutions14102665
Number of separate units0
Number of territorial-administrative units of Ukraine in which separate subdivisions are located
The name of the joint credit union of which the credit union is a member
Name of the association of which the credit union is a member
Payment system, a member of which is a credit union
The name of the software used by the credit union to keep recordsAll In One: CUProgram

List of paper documents and electronic files attached:

  1. General data on the credit union (Appendix 1)
  2. Reporting data on the financial activities of the credit union (Appendix 2)
  3. Reporting data on the composition of assets and liabilities of the credit union (Annex 3)
  4. Reporting data on income and expenses of the credit union (Appendix 4)
  5. Reporting data on the calculation of the required amount of the provision for losses from unpaid loans of the credit union (Annex 5)
  6. Reporting data on credit activity of the credit union (Appendix 6)
  7. Reporting data on borrowed funds from legal entities (Appendix 7)
  8. Reporting data on the activities of separate divisions of the credit union (Annex 8)

I confirm the identity of the data in paper and electronic form.

 

 

Annex 2

to the Procedure for preparation and submission of reports by credit unions and joint credit unions to the National Commission for State Regulation of Financial Services Markets

 

Reporting data on the financial activities of the credit union 

for 2017

ZaRaZ CREDIT UNION
(name of credit union)

 

(UAH)

1. Lending activitiesLine codeBalance at the beginning of the reporting periodIssued during the reporting period, accrued%Paid for the reporting period, repaid%Balance at the end of the reporting period
123456
1.1. The amount of loans granted to members of the credit union (p.011 + p.012 + p.013), including:01022539661.3127086521,7824072844.8225553338.27
with a maturity of up to 3 months011470150.82264055489,041.30245,164.52
with a maturity of 3 to 12 months01221788779.1920461939.2823492023.9618758694.51
with a maturity of more than 12 months013280,731.306360527.5091779.566549479.24
Calculations of accrued interest on loans to members of the credit union0201695530,439764235.319882241.691577524,05
1.2. The amount of loans granted to credit unions0300000
Calculations of accrued interest on loans to credit unions0400000
1.3. Debts on bad loans0500000
2. Financial investmentsLine codeBalance at the beginning of the reporting periodPosted during the reporting periodReturned for the reporting periodBalance at the end of the reporting period
123456
2.1. The total amount of financial investments (p.061 + p.062 + p.063 + 064 + 065 + 066) including:060351001432522513855325505,000
cash on deposit accounts with banks061351001432522513855325505,000
contributions (deposits) to deposit accounts in the joint credit union0620000
contributions to the capital of cooperative banks0630000
contributions to the capital of the joint credit union0640000
government securities0650000
to the capital of the Credit History Bureau0660000
2.2. Calculations of accrued income from financial investments070021125.0821125.080
3. Movement of capital of the credit unionLine codeBalance at the beginning of the reporting periodMade during the reporting periodReturned for the reporting periodBalance at the end of the reporting period
123456
3.1. Share capital (p.081 + p.082 + p.083) including:0801107502415570392,0812835004.0813810412
mandatory share contributions08118071215351393
additional share contributions0821107321715570271,0812834469,0813809019
additional share contributions with mandatory payment0830000
3.2. Reserve capital (p.091 + p.092 + p.093) including:0903136617.70553,264.7603689882.46
reserve capital formed at the expense of entrance fees0916665121007875
reserve capital generated by income0921582216.894788101630097.89
reserve capital generated from other sources0931547735.81504,173.7602,051,909.57
3.3.Additional capital (p.101 + p.102 + p.103 + p.104) including:1009989841110076093319301758671
additional capital formed at the expense of target contributions of credit union members1019989841110076093319301758671
gratuitously received property and non-current assets1020000
charitable contributions of individuals and legal entities1030000
mandatory target contributions to additional capital1040000
3.4. Retained earnings (uncovered losses), including distributed (reimbursed losses)1101,479,768.612886.53478811434774.14
to cover losses at the expense of capital111xx0x
on the formation of reserve capital112xx47881x
for the distribution of fees (interest) on additional share contributions113xx0x
on the distribution of fees (interest) on mandatory share contributions114xx0x
4. Settlements on the obligations of the credit unionLine codeBalance at the beginning of the reporting periodReceived for the reporting period, accrued%Returned for the reporting periodBalance at the end of the reporting period
123456
4.1. Contributions (deposits) to the deposit accounts of credit union members (p.121 + p.122 + p.123 + p.124 + p.125) including:12001035326628103697542897
contribution (deposit) to the deposit account on demand1210000
contribution to the deposit account for up to 3 months12201255100865100390000
contribution (deposit) to the deposit account for a period of 3 to 12 months1230100,0000100,000
long-term deposit to the deposit account (> 12 months)1240899816619452697052897
long-term contribution (deposit) to a deposit account (> 12 months) with a maturity in the current year1250000
Deposit to a blocked account of credit union members1300000
4.2. Settlements on liabilities to legal entities on which interest is accrued (p.141 + p.142 + p.143) including:1400000
Current liabilities, including:1410000
loans obtained from credit unions14110000
loans obtained from the joint credit union14120000
loans obtained from banks14130000
other liabilities14140000
Long-term liabilities, including:1420000
loans obtained from credit unions14210000
loans obtained from the joint credit union14220000
loans obtained from banks14230000
other liabilities14240000
Long-term liabilities with maturity during the year, including:1430000
loans obtained from credit unions14310000
loans obtained from the joint credit union14320000
loans obtained from banks14330000
other liabilities14340000
4.3. Calculations on accrued interest for the use of borrowed funds (p.151 + p.152 + p.153 + p.154) including150565073,055249150.683725652.192088571.54
settlements on interest accrued on contributions (deposits) of credit union members to deposit accounts1510632,242.99222687,20409,555.79
settlements on interest accrued on loans received from the joint credit union, from banks and on liabilities to legal entities1520000
calculations on interest accrued on mandatory share contributions1530000
calculations on interest accrued on additional share contributions154565073,054616907.693502964.991 679 015.75
5. Targeted financing and targeted revenues, ensuring future expenses and payments, revaluation of assetsLine codeBalance at the beginning of the reporting periodReceived during the reporting periodSpent during the reporting periodBalance at the end of the reporting period
123456
5.1. The total amount of sources of targeted funding and targeted revenues (p.161 + p.162 + p.163 + p.164 + p.165) including16017320.5624193.2217320.5624193.22
charitable contributions of credit union members to the charitable fund1610000
targeted funding from budgetary and extra-budgetary funds1620000
other targeted funding and other targeted revenues1630000
ensuring future costs and payments16417320.5624193.2217320.5624193.22
revaluation of assets1650000

 

Number of credit union members302
Number of credit union members who have contributions (deposits) on deposit accountstwenty
Number of credit union members who have debt on loans174

 

 

Annex 3

to the Procedure for preparation and submission of reports by credit unions and joint credit unions to the National Commission for State Regulation of Financial Services Markets

 

Reporting data on the composition of assets and liabilities of the credit union

for 2017

ZaRaZ CREDIT UNION
(name of credit union)

 

(UAH)

NameThe codeBalance at the beginning of the reporting periodBalance at the end of the reporting period
1234
ASSETS
I. PRODUCTIVE ASSETS
Loans granted to members of a credit union01022539661.3125553338.27
Debts on overdue and unpaid loans granted to members of the credit union0202214424.971,567,949.60
Provision for losses from unpaid loans (overdue and non-performing loans granted to members of a credit union)0211,594,803.181146747,34
Loans to credit unions03000
Debts on overdue, non-performing and bad loans granted to credit unions04000
Provision for losses from unpaid loans (overdue, non-performing and non-performing loans granted to credit unions)04100
Financial investments, including05035100505,000
Cash within the liquidity support program05100
Other productive assets, including06000
Funds to the joint financial funds of associations06100
Total for section I (p. 010 – p. 021 + p. 030 – p. 041 + p. 050 + p. 060)07020979958.1324911590.93
ІІ. UNPRODUCTIVE ASSETS
Cash080381,402.04579,601.22
Fixed assets, other non-current tangible assets, intangible assets (residual value)0902573837.56943,192.09
Capital Investments10000
Debts on bad loans granted to members of a credit union11000
Provision for losses from unpaid loans (bad loans) granted to members of a credit union12000
Other non-productive assets, including:1302484916.654212387.73
Funds to the joint financial funds of associations13100
The amount of the formed reserve of doubtful debts13200
Deferred expenses14000
Total for section II (p.080 + p.090 + p.100 + p.110 – p.120 + p.130 + p.140)1505440156.255735181.04
TOTAL ASSETS (p.070 + p.150)16026420114,3830646771.97
LIABILITIES
I. OBLIGATIONS
Contributions (deposits) to the deposit accounts of credit union members17007542897
Settlements with legal entities on interest-bearing liabilities18000
The amount of liabilities on which interest is accrued, together (p.170 + p.180)19007542897
Settlements with individuals on liabilities for which no interest is accrued20000
Settlements with legal entities on liabilities for which no interest is accrued21000
Accrued wages and mandatory payments2206578.827680.05
Other non-accrued liabilities, including:230714963.692378262.10
accrued but unpaid interest on liabilities2310409,555.79
future revenues24000
The amount of liabilities for which no interest is accrued, together (p.200 + p.210 p. + P.220 + p.230 + p.240)250721542.512385942.15
Total for section I (p.190 + p.250)260721542.519928839.15
ІІ. CAPITAL AND TARGETED FINANCING
Share capital2701107502413810412
Reserve capital2803136617.703689882.46
Additional capital29099898411758671
Retained earnings (uncovered loss)3001,479,768.611434774.14
Total capital (p.270 + p.280 + p.290 + p.300)31025681251.3120693739.60
Targeted financing, ensuring future expenses and payments, revaluation of assets32017320.5624193.22
Total for section II (p.310 + p.320)33025698571.8720717932.82
LIABILITIES OF ALL (p.260 + p.330)34026420114,3830646771.97
Guarantees and guarantees are provided35000

 

 

Annex 4

to the Procedure for preparation and submission of reports by credit unions and joint credit unions to the National Commission for State Regulation of Financial Services Markets

Reporting data on income and expenses of the credit union 

for 2017

ZaRaZ CREDIT UNION
(name of credit union)

(UAH)

INDICATORSLine codeFor the reporting period
123
1. Determination of income
Interest received on loans granted to members of the credit union0109882241.69
Interest received on loans granted to credit unions0200
Income from funds placed on deposit accounts with banks03021125.08
Payment (interest) on contributions (deposits) on deposit accounts in the joint credit union0400
Income from participation in the capital of a cooperative bank0500
Payment (interest) on contributions to the capital of the joint credit union0600
Income from government securities0700
Other interest income0800
The total amount of interest income received p.010 + p.020 + p.030 + p.040 + p.050 + p.060 + p.070 + p.080)0909903366.77
Received fines, penalties1002527834.53
Other non-interest income, including1101115602.60
Reduction of the provision provision for losses from unpaid loans111690568.50
Income from operating exchange differences1120
TOTAL INCOME (p.090 + p.100 + p.110)12013546803.90
2. Determination of costs
Accrued interest on contributions (deposits) to the deposit accounts of credit union members130632,242.99
Accrued interest on loans obtained from credit unions1400
Accrued interest on loans received from the combined credit union1500
Accrued interest on loans obtained from banks1600
Accrued interest on other liabilities to legal entities1700
Costs associated with raising funds (p. 130 + p. 140 + p. 150 + p. 160 + p. 170)180632,242.99
Expenses for insurance of loans and contributions (deposits), members of the credit union on deposit accounts190206574.27
Costs of accrual of wages and mandatory payments200280802.39
Other operating expenses including2107528878.48
for charitable activities2110
Expenses from operating exchange differences2120
Expenses for the formation of joint financial funds of associations2200
Income tax is accrued23035998.89
Other expenses2400
Total operating expenses (p. 190 + p. 200 + p. 210 + p. 220 + p. 230 + p. 240)2508052254,03
Costs of forming a provision to cover losses from non-performing loans260242512.66
Expenses for writing off unpaid interest on loans2700
Total costs (p. 180 + p. 250 + p. 260 + p. 270)2808927009.68
3. Determining the result
Financial result (p.120 – p.280)2904619794.22
Formation of reserve capital3000
Distribution of payment (interest) on additional share contributions3104616907.69
Retained earnings (loss) (p.290 – p.300 – p.310)3202886.53

 

Annex 5
to the Procedure for Compilation and Reporting by Credit Unions and Merged Credit Unions to the National Commission for State Regulation of Financial Services Markets

 

REPORTING DATA on the calculation of the required amount of the provision to cover losses from unpaid loans of the credit union for 2017 

 

ZaRaZ CREDIT UNION
(name of credit union)

 

(UAH)

IndicatorLine codeOverdue levelTOTAL
1st level2nd level3rd level> 12 months
1234567
Reserve rate for overdue and non-performing loans01003570100x
Debts on overdue and unpaid loans02040870.69585,125.500941953.411,567,949.60
Number of overdue and unpaid loans0301404348
required reserve for overdue and unpaid loans0400204793.930941953.411146747,34
Reserve rate for bad loans050100100100100x
Debts on bad loans06000000
Number of bad loans07000000
A reserve for bad loans is required08000000

Annex 6
to the Procedure for Compilation and Reporting by Credit Unions and Merged Credit Unions to the National Commission for State Regulation of Financial Services Markets

 

Reporting data on credit activity of the credit union 

for 2017

ZaRaZ CREDIT UNION
(name of credit union)

 

(UAH)

NameThe codeLoans provided for the reporting periodDebts on loans at the end of the reporting periodProlonged loansOverdue for more than 3 monthsWritten off during the reporting periodLarge risks (loans to credit union members> = 10% of capital)
quantity, unitsamount, UAHQuantity, unitsAmount, UAHWeighted average interest rate,%Quantity, unitsAmount, UAHQuantity, unitsAmount, UAHQuantity, unitsAmount, UAHquantity, unitsamount, UAH
12345678910eleven12thirteen14fifteen
Total loans including01012827086521,7817825553338.2739.64122050381.39471527078.910000
Commercial loans0117914823643.997212387452.2336.3400000000
Loans provided for the management of peasant (farmer) farms0120000000000000
Loans provided for personal farms0130000000000000
loans for the purchase, construction, repair and reconstruction of real estate0140000000000000
Consumer loans0154912262877.7910613165886.0442.74122050381.39471527078.910000
purchase of vehicles01510000000000000
purchase of audio, video, home appliances and computers01520000000000000
other needs01534912262877.7910613165886.0442.74122050381.39471527078.910000

 

 

 

 

Annex 7
to the Procedure for Compilation and Reporting by Credit Unions and Merged Credit Unions to the National Commission for State Regulation of Financial Services Markets

 

Reporting data on borrowed funds from legal entities 

for 2017

ZaRaZ CREDIT UNION
(name of credit union)

 

(UAH)

The purpose of involvementLine codeFrom credit unionsFrom the united credit unionFrom banksFrom other legal entities
up to 12 months> 12 monthsup to 12 months> 12 monthsup to 12 months> 12 monthsup to 12 months> 12 months
12345678910
granting loans to members of a credit union01000000000
maintaining liquidity02000000000
purchase, repair, modernization and reconstruction of office space03000000000
purchase of software and special technical equipment related to the provision of financial services04000000000
Total involved05000000000

 

 

 

Annex 8
to the Procedure for Compilation and Reporting by Credit Unions and Merged Credit Unions to the National Commission for State Regulation of Financial Services Markets

 

Reporting data on the activities of separate divisions of the credit union 

for 2017 

ZaRaZ CREDIT UNION (name of credit union) 

 

(UAH)

 Line codeBalance at the beginning of the reporting periodIssued during the reporting periodPaid for the reporting periodBalance at the end of the reporting period
123456
The amount of loans22539661.3127086521,7824072844.8225553338.27
KS “ZaRaZ” Kyiv, street V. Zabila, 510122539661.3127086521,7824072844.8225553338.27

 

 Line codeBalance at the beginning of the reporting periodIssued during the reporting periodPaid for the reporting periodBalance at the end of the reporting period
123456
Contributions (deposits)01035326628103697542897
KS “ZaRaZ” Kyiv, street V. Killed, 520101035326628103697542897

 

 

 

Annex 9

to the Procedure for preparation and submission of reports by credit unions and joint credit unions to the National Commission for State Regulation of Financial Services Markets

 

 

Information on credit unions’ transactions with contributions (deposits) of credit union members to deposit accounts

for 12 months of 2017
(I quarter, I half-year, 9 months, year)

ZaRaZ Credit Union
(name of credit union)

IndicatorLine codeAgreements on attracting contributions (deposits) to deposit accounts have been concludedLiabilities under agreements on attracting contributions (deposits) to deposit accountsLiabilities under agreements on attracting contributions (deposits) to deposit accounts, the term of execution of which has comeUnfulfilled requirements for obligations under agreements on attracting contributions (deposits) to deposit accountsIncluding:
up to 30 calendar days from the date of receipt of the request30 or more calendar days from the date of receipt of the request
12345678
Number of contracts (units)01039 32000 0
Amount UAH02010353266,007542897,00 0.00 0.00 0.00 0.00
Share in overdue liabilities030X 0.00