Reporting data for 2017

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, address	03039 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 USREOU	37716197
Registration number in the State Register of Financial Institutions	14102665
Number of separate units	0
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 records	All In One: CUProgram

List of paper documents and electronic files attached:

General data on the credit union (Appendix 1)
Reporting data on the financial activities of the credit union (Appendix 2)
Reporting data on the composition of assets and liabilities of the credit union (Annex 3)
Reporting data on income and expenses of the credit union (Appendix 4)
Reporting data on the calculation of the required amount of the provision for losses from unpaid loans of the credit union (Annex 5)
Reporting data on credit activity of the credit union (Appendix 6)
Reporting data on borrowed funds from legal entities (Appendix 7)
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 activities	Line code	Balance at the beginning of the reporting period	Issued during the reporting period, accrued%	Paid for the reporting period, repaid%	Balance at the end of the reporting period
1	2	3	4	5	6
1.1. The amount of loans granted to members of the credit union (p.011 + p.012 + p.013), including:	010	22539661.31	27086521,78	24072844.82	25553338.27
with a maturity of up to 3 months	011	470150.82	264055	489,041.30	245,164.52
with a maturity of 3 to 12 months	012	21788779.19	20461939.28	23492023.96	18758694.51
with a maturity of more than 12 months	013	280,731.30	6360527.50	91779.56	6549479.24
Calculations of accrued interest on loans to members of the credit union	020	1695530,43	9764235.31	9882241.69	1577524,05
1.2. The amount of loans granted to credit unions	030	0	0	0	0
Calculations of accrued interest on loans to credit unions	040	0	0	0	0
1.3. Debts on bad loans	050	0	0	0	0
2. Financial investments	Line code	Balance at the beginning of the reporting period	Posted during the reporting period	Returned for the reporting period	Balance at the end of the reporting period
1	2	3	4	5	6
2.1. The total amount of financial investments (p.061 + p.062 + p.063 + 064 + 065 + 066) including:	060	35100	14325225	13855325	505,000
cash on deposit accounts with banks	061	35100	14325225	13855325	505,000
contributions (deposits) to deposit accounts in the joint credit union	062	0	0	0	0
contributions to the capital of cooperative banks	063	0	0	0	0
contributions to the capital of the joint credit union	064	0	0	0	0
government securities	065	0	0	0	0
to the capital of the Credit History Bureau	066	0	0	0	0
2.2. Calculations of accrued income from financial investments	070	0	21125.08	21125.08	0
3. Movement of capital of the credit union	Line code	Balance at the beginning of the reporting period	Made during the reporting period	Returned for the reporting period	Balance at the end of the reporting period
1	2	3	4	5	6
3.1. Share capital (p.081 + p.082 + p.083) including:	080	11075024	15570392,08	12835004.08	13810412
mandatory share contributions	081	1807	121	535	1393
additional share contributions	082	11073217	15570271,08	12834469,08	13809019
additional share contributions with mandatory payment	083	0	0	0	0
3.2. Reserve capital (p.091 + p.092 + p.093) including:	090	3136617.70	553,264.76	0	3689882.46
reserve capital formed at the expense of entrance fees	091	6665	1210	0	7875
reserve capital generated by income	092	1582216.89	47881	0	1630097.89
reserve capital generated from other sources	093	1547735.81	504,173.76	0	2,051,909.57
3.3.Additional capital (p.101 + p.102 + p.103 + p.104) including:	100	9989841	1100760	9331930	1758671
additional capital formed at the expense of target contributions of credit union members	101	9989841	1100760	9331930	1758671
gratuitously received property and non-current assets	102	0	0	0	0
charitable contributions of individuals and legal entities	103	0	0	0	0
mandatory target contributions to additional capital	104	0	0	0	0
3.4. Retained earnings (uncovered losses), including distributed (reimbursed losses)	110	1,479,768.61	2886.53	47881	1434774.14
to cover losses at the expense of capital	111	x	x	0	x
on the formation of reserve capital	112	x	x	47881	x
for the distribution of fees (interest) on additional share contributions	113	x	x	0	x
on the distribution of fees (interest) on mandatory share contributions	114	x	x	0	x
4. Settlements on the obligations of the credit union	Line code	Balance at the beginning of the reporting period	Received for the reporting period, accrued%	Returned for the reporting period	Balance at the end of the reporting period
1	2	3	4	5	6
4.1. Contributions (deposits) to the deposit accounts of credit union members (p.121 + p.122 + p.123 + p.124 + p.125) including:	120	0	10353266	2810369	7542897
contribution (deposit) to the deposit account on demand	121	0	0	0	0
contribution to the deposit account for up to 3 months	122	0	1255100	865100	390000
contribution (deposit) to the deposit account for a period of 3 to 12 months	123	0	100,000	0	100,000
long-term deposit to the deposit account (> 12 months)	124	0	8998166	1945269	7052897
long-term contribution (deposit) to a deposit account (> 12 months) with a maturity in the current year	125	0	0	0	0
Deposit to a blocked account of credit union members	130	0	0	0	0
4.2. Settlements on liabilities to legal entities on which interest is accrued (p.141 + p.142 + p.143) including:	140	0	0	0	0
Current liabilities, including:	141	0	0	0	0
loans obtained from credit unions	1411	0	0	0	0
loans obtained from the joint credit union	1412	0	0	0	0
loans obtained from banks	1413	0	0	0	0
other liabilities	1414	0	0	0	0
Long-term liabilities, including:	142	0	0	0	0
loans obtained from credit unions	1421	0	0	0	0
loans obtained from the joint credit union	1422	0	0	0	0
loans obtained from banks	1423	0	0	0	0
other liabilities	1424	0	0	0	0
Long-term liabilities with maturity during the year, including:	143	0	0	0	0
loans obtained from credit unions	1431	0	0	0	0
loans obtained from the joint credit union	1432	0	0	0	0
loans obtained from banks	1433	0	0	0	0
other liabilities	1434	0	0	0	0
4.3. Calculations on accrued interest for the use of borrowed funds (p.151 + p.152 + p.153 + p.154) including	150	565073,05	5249150.68	3725652.19	2088571.54
settlements on interest accrued on contributions (deposits) of credit union members to deposit accounts	151	0	632,242.99	222687,20	409,555.79
settlements on interest accrued on loans received from the joint credit union, from banks and on liabilities to legal entities	152	0	0	0	0
calculations on interest accrued on mandatory share contributions	153	0	0	0	0
calculations on interest accrued on additional share contributions	154	565073,05	4616907.69	3502964.99	1 679 015.75
5. Targeted financing and targeted revenues, ensuring future expenses and payments, revaluation of assets	Line code	Balance at the beginning of the reporting period	Received during the reporting period	Spent during the reporting period	Balance at the end of the reporting period
1	2	3	4	5	6
5.1. The total amount of sources of targeted funding and targeted revenues (p.161 + p.162 + p.163 + p.164 + p.165) including	160	17320.56	24193.22	17320.56	24193.22
charitable contributions of credit union members to the charitable fund	161	0	0	0	0
targeted funding from budgetary and extra-budgetary funds	162	0	0	0	0
other targeted funding and other targeted revenues	163	0	0	0	0
ensuring future costs and payments	164	17320.56	24193.22	17320.56	24193.22
revaluation of assets	165	0	0	0	0

Number of credit union members	302
Number of credit union members who have contributions (deposits) on deposit accounts	twenty
Number of credit union members who have debt on loans	174

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)

Name	The code	Balance at the beginning of the reporting period	Balance at the end of the reporting period
1	2	3	4
ASSETS
I. PRODUCTIVE ASSETS
Loans granted to members of a credit union	010	22539661.31	25553338.27
Debts on overdue and unpaid loans granted to members of the credit union	020	2214424.97	1,567,949.60
Provision for losses from unpaid loans (overdue and non-performing loans granted to members of a credit union)	021	1,594,803.18	1146747,34
Loans to credit unions	030	0	0
Debts on overdue, non-performing and bad loans granted to credit unions	040	0	0
Provision for losses from unpaid loans (overdue, non-performing and non-performing loans granted to credit unions)	041	0	0
Financial investments, including	050	35100	505,000
Cash within the liquidity support program	051	0	0
Other productive assets, including	060	0	0
Funds to the joint financial funds of associations	061	0	0
Total for section I (p. 010 – p. 021 + p. 030 – p. 041 + p. 050 + p. 060)	070	20979958.13	24911590.93
ІІ. UNPRODUCTIVE ASSETS
Cash	080	381,402.04	579,601.22
Fixed assets, other non-current tangible assets, intangible assets (residual value)	090	2573837.56	943,192.09
Capital Investments	100	0	0
Debts on bad loans granted to members of a credit union	110	0	0
Provision for losses from unpaid loans (bad loans) granted to members of a credit union	120	0	0
Other non-productive assets, including:	130	2484916.65	4212387.73
Funds to the joint financial funds of associations	131	0	0
The amount of the formed reserve of doubtful debts	132	0	0
Deferred expenses	140	0	0
Total for section II (p.080 + p.090 + p.100 + p.110 – p.120 + p.130 + p.140)	150	5440156.25	5735181.04
TOTAL ASSETS (p.070 + p.150)	160	26420114,38	30646771.97
LIABILITIES
I. OBLIGATIONS
Contributions (deposits) to the deposit accounts of credit union members	170	0	7542897
Settlements with legal entities on interest-bearing liabilities	180	0	0
The amount of liabilities on which interest is accrued, together (p.170 + p.180)	190	0	7542897
Settlements with individuals on liabilities for which no interest is accrued	200	0	0
Settlements with legal entities on liabilities for which no interest is accrued	210	0	0
Accrued wages and mandatory payments	220	6578.82	7680.05
Other non-accrued liabilities, including:	230	714963.69	2378262.10
accrued but unpaid interest on liabilities	231	0	409,555.79
future revenues	240	0	0
The amount of liabilities for which no interest is accrued, together (p.200 + p.210 p. + P.220 + p.230 + p.240)	250	721542.51	2385942.15
Total for section I (p.190 + p.250)	260	721542.51	9928839.15
ІІ. CAPITAL AND TARGETED FINANCING
Share capital	270	11075024	13810412
Reserve capital	280	3136617.70	3689882.46
Additional capital	290	9989841	1758671
Retained earnings (uncovered loss)	300	1,479,768.61	1434774.14
Total capital (p.270 + p.280 + p.290 + p.300)	310	25681251.31	20693739.60
Targeted financing, ensuring future expenses and payments, revaluation of assets	320	17320.56	24193.22
Total for section II (p.310 + p.320)	330	25698571.87	20717932.82
LIABILITIES OF ALL (p.260 + p.330)	340	26420114,38	30646771.97
Guarantees and guarantees are provided	350	0	0

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)

INDICATORS		Line code	For the reporting period
1		2	3
1. Determination of income
Interest received on loans granted to members of the credit union	010		9882241.69
Interest received on loans granted to credit unions	020		0
Income from funds placed on deposit accounts with banks	030		21125.08
Payment (interest) on contributions (deposits) on deposit accounts in the joint credit union	040		0
Income from participation in the capital of a cooperative bank	050		0
Payment (interest) on contributions to the capital of the joint credit union	060		0
Income from government securities	070		0
Other interest income	080		0
The total amount of interest income received p.010 + p.020 + p.030 + p.040 + p.050 + p.060 + p.070 + p.080)	090		9903366.77
Received fines, penalties	100		2527834.53
Other non-interest income, including	110		1115602.60
Reduction of the provision provision for losses from unpaid loans	111		690568.50
Income from operating exchange differences	112		0
TOTAL INCOME (p.090 + p.100 + p.110)	120		13546803.90
2. Determination of costs
Accrued interest on contributions (deposits) to the deposit accounts of credit union members		130	632,242.99
Accrued interest on loans obtained from credit unions		140	0
Accrued interest on loans received from the combined credit union		150	0
Accrued interest on loans obtained from banks		160	0
Accrued interest on other liabilities to legal entities		170	0
Costs associated with raising funds (p. 130 + p. 140 + p. 150 + p. 160 + p. 170)		180	632,242.99
Expenses for insurance of loans and contributions (deposits), members of the credit union on deposit accounts		190	206574.27
Costs of accrual of wages and mandatory payments		200	280802.39
Other operating expenses including		210	7528878.48
for charitable activities		211	0
Expenses from operating exchange differences		212	0
Expenses for the formation of joint financial funds of associations		220	0
Income tax is accrued		230	35998.89
Other expenses		240	0
Total operating expenses (p. 190 + p. 200 + p. 210 + p. 220 + p. 230 + p. 240)		250	8052254,03
Costs of forming a provision to cover losses from non-performing loans		260	242512.66
Expenses for writing off unpaid interest on loans		270	0
Total costs (p. 180 + p. 250 + p. 260 + p. 270)		280	8927009.68
3. Determining the result
Financial result (p.120 – p.280)		290	4619794.22
Formation of reserve capital		300	0
Distribution of payment (interest) on additional share contributions		310	4616907.69
Retained earnings (loss) (p.290 – p.300 – p.310)		320	2886.53

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)

Indicator	Line code	Overdue level				TOTAL
Indicator	Line code	1st level	2nd level	3rd level	> 12 months	TOTAL
1	2	3	4	5	6	7
Reserve rate for overdue and non-performing loans	010	0	35	70	100	x
Debts on overdue and unpaid loans	020	40870.69	585,125.50	0	941953.41	1,567,949.60
Number of overdue and unpaid loans	030	1	4	0	43	48
required reserve for overdue and unpaid loans	040	0	204793.93	0	941953.41	1146747,34
Reserve rate for bad loans	050	100	100	100	100	x
Debts on bad loans	060	0	0	0	0	0
Number of bad loans	070	0	0	0	0	0
A reserve for bad loans is required	080	0	0	0	0	0

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)

Name	The code	Loans provided for the reporting period		Debts on loans at the end of the reporting period			Prolonged loans		Overdue for more than 3 months		Written off during the reporting period		Large risks (loans to credit union members> = 10% of capital)
Name	The code	quantity, units	amount, UAH	Quantity, units	Amount, UAH	Weighted average interest rate,%	Quantity, units	Amount, UAH	Quantity, units	Amount, UAH	Quantity, units	Amount, UAH	quantity, units	amount, UAH
1	2	3	4	5	6	7	8	9	10	eleven	12	thirteen	14	fifteen
Total loans including	010	128	27086521,78	178	25553338.27	39.64	12	2050381.39	47	1527078.91	0	0	0	0
Commercial loans	011	79	14823643.99	72	12387452.23	36.34	0	0	0	0	0	0	0	0
Loans provided for the management of peasant (farmer) farms	012	0	0	0	0	0	0	0	0	0	0	0	0	0
Loans provided for personal farms	013	0	0	0	0	0	0	0	0	0	0	0	0	0
loans for the purchase, construction, repair and reconstruction of real estate	014	0	0	0	0	0	0	0	0	0	0	0	0	0
Consumer loans	015	49	12262877.79	106	13165886.04	42.74	12	2050381.39	47	1527078.91	0	0	0	0
purchase of vehicles	0151	0	0	0	0	0	0	0	0	0	0	0	0	0
purchase of audio, video, home appliances and computers	0152	0	0	0	0	0	0	0	0	0	0	0	0	0
other needs	0153	49	12262877.79	106	13165886.04	42.74	12	2050381.39	47	1527078.91	0	0	0	0

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 involvement	Line code	From credit unions		From the united credit union		From banks		From other legal entities
The purpose of involvement	Line code	up to 12 months	> 12 months	up to 12 months	> 12 months	up to 12 months	> 12 months	up to 12 months	> 12 months
1	2	3	4	5	6	7	8	9	10
granting loans to members of a credit union	010	0	0	0	0	0	0	0	0
maintaining liquidity	020	0	0	0	0	0	0	0	0
purchase, repair, modernization and reconstruction of office space	030	0	0	0	0	0	0	0	0
purchase of software and special technical equipment related to the provision of financial services	040	0	0	0	0	0	0	0	0
Total involved	050	0	0	0	0	0	0	0	0

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 code	Balance at the beginning of the reporting period	Issued during the reporting period	Paid for the reporting period	Balance at the end of the reporting period
1	2	3	4	5	6
The amount of loans		22539661.31	27086521,78	24072844.82	25553338.27
KS “ZaRaZ” Kyiv, street V. Zabila, 5	101	22539661.31	27086521,78	24072844.82	25553338.27

	Line code	Balance at the beginning of the reporting period	Issued during the reporting period	Paid for the reporting period	Balance at the end of the reporting period
1	2	3	4	5	6
Contributions (deposits)		0	10353266	2810369	7542897
KS “ZaRaZ” Kyiv, street V. Killed, 5	201	0	10353266	2810369	7542897

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)

Indicator	Line code	Agreements on attracting contributions (deposits) to deposit accounts have been concluded	Liabilities under agreements on attracting contributions (deposits) to deposit accounts	Liabilities under agreements on attracting contributions (deposits) to deposit accounts, the term of execution of which has come	Unfulfilled requirements for obligations under agreements on attracting contributions (deposits) to deposit accounts	Including:
Indicator	Line code					up to 30 calendar days from the date of receipt of the request	30 or more calendar days from the date of receipt of the request
1	2	3	4	5	6	7	8
Number of contracts (units)	010	39	32	0	0	0	0
Amount UAH	020	10353266,00	7542897,00	0.00	0.00	0.00	0.00
Share in overdue liabilities	030	X					0.00