Helps small and medium-sized businesses to do business and develop

About relationships with colleagues

I managed to work in four branches of UniCredit Bank. We were great friends with all our colleagues, we talked with pleasure during the day and rested together after work. Now we periodically go to the cinema and entertainment centers, walk in parks, play frisbee and, of course, celebrate various holidays with the whole team. I like that people in the company are always trying to help each other - both in work and in life. This is very unifying. For example, I still communicate with employees of all departments where I worked.

About rewarding high results

Motivation is very important, and the bank understands this very well. All UniCredit Bank employees know that if they work efficiently, then the remuneration will be worthy. Various competitions are constantly held in the company, and people are encouraged with excellent gifts for outstanding achievements. It could be football tickets, electronics tickets, or even a trip to Italy. And I also really appreciate that the bank takes care not only of me, but also of my family. Free insurance applies to children.

What keeps you in the company

I have been working at UniCredit Bank for five years already, and every year I want to stay here more and more. I gain experience, my social circle expands, acquaintances from other banks appear. You listen to what other companies' employees have to say and start comparing. I perfectly see all the advantages of UniCredit Bank and I understand that it is not for nothing that we occupy leading places in the ratings of employers. Moreover, our position only increases over time. And I see how rarely employees leave us. And those who leave often come back. I think that says a lot.

Manages all processes of the branch

About motivation

I have been working at UniCredit Bank for 14 years. Initially, I was attracted by ambitious tasks: I was offered to lead a department, which I had never done before, and set the difficult goal of creating a new customer base from scratch. It was a little scary, but very interesting. A few years later, I thought about leaving the bank, but then a new challenge appeared before me: I was offered to become a branch manager. I am always kept at UniCredit Bank by the fact that interesting and caring people work here. The company gives freedom to those who are passionate about their business and can bring something new. We have a very productive and open atmosphere and a democratic team.

About the habit of listening to other people's opinions

I motivate people to voice their ideas. Employees of any level can discuss their proposals and problems. We often collect the opinions of specialists who work in a particular block: what, in their opinion, should be changed, what can be made more convenient, what needs to be added or, on the contrary, removed. People express their proposals, and then we are implementing them. It happens that employees argue with me, and quite emotionally. I believe that truth is born in a dispute, and I love it when there are different opinions. So you can look at the issue from different angles and avoid subjectivity.

About trust

My entire team was selected according to the principle of indifference, dedication, ambition. These are people who are interested in what they do. You can rely on them to complete any task they undertake. If I know that the employee has enough knowledge and skills, then I will not set a rigid framework. At the same time, I prefer to distance myself from the project for a while and not monitor how a person solves problems.

Responsible for working with problem borrowers

About the advantages of the company

UniCredit Bank is a great place to work. Moreover, I have something to compare with - before that I worked in three more different banks. A unique corporate culture has developed here. It keeps people in the company and motivates them to overcome the difficulties and obstacles encountered in any job. I like the friendly atmosphere in the team, the opportunity to develop not only professionally, but also personally. My colleagues and I do yoga and learn English together. And it's not at all difficult for us to find a common language, despite the fact that we are all very different.

About freedom and support

The company has the opportunity to independently manage projects and achieve results. This is definitely a plus. You can realize yourself and at the same time you always feel the support of the leadership. Even if you have a large and significant project for which you are fully responsible, you know that at any moment you can come to the manager and he will help you solve the problem. So, despite the freedom of action, we are not alone and can always count on help. This is very valuable to me.

About the team

The relations in our team are democratic. We communicate freely on work and non-work topics. It happens that an employee comes to me to ask for advice on resolving a particular life situation. The main thing that helps me create a favorable atmosphere in the team and successfully achieve goals is the maximum involvement of people in the processes. I always find time to explain to an employee the connection between his work and global processes within the bank. Thus, the employee feels his importance and involvement in the common cause.

Serves clients in the department

About choosing a company

The first time I tried to get into UniCredit Bank as a student. But one of the requirements was a completed higher education, so I was advised to complete my studies and gain some experience. But on the second attempt everything succeeded. The bank has always attracted me because it is very stable. He has an excellent reputation in the market, he fulfills his obligations to employees. I had friends who worked here, and they all spoke very well of the company. Stable career advancement, bonuses and salaries always without delays, different bonuses. I have not seen such conditions anywhere.

About the first days at the bank

The first impression of a new job is very important. I liked it here immediately. I was very warmly received, I met everyone on the very first day. I was lucky to have a leader. He helped, prompted who to call in a given situation. I noticed that any issues in the company are resolved quickly, and problems, even of a personal nature, can always be discussed openly. By the way, we have an inner joke. From time to time someone wants to know the schedule and asks: "How do we work tomorrow?" And one of my colleagues likes to answer: "With pleasure!" I am sure this is the key to success.

About what attracts in work

I'm a stress-resistant person, so I like to solve problems that not everyone can take on. The bank has a huge number of tools for different situations, and I like that I can quickly select the right one and deal with the client's problem. In addition, I really like the culture of communication between employees. Everyone here is friendly. It's no secret that in many companies a spirit of competition reigns, when everyone is for himself, people decide all issues based on their personal interests, and do not try to help each other. We have nothing like this. We are a team.

Information section. Telephone numbers of the UniCredit Bank Hotline, feedback, address for entering the Personal Account and other contact information.

Free phone number of the UniCredit Bank support service:

8800 700 10 20

A single number for individuals and legal entities. All calls to the number 88007001020 absolutely free for residents of Russia, when calling from mobile and landline phones.

To obtain information on the account, please be ready to tell the number of the agreement or card and the secret code word to the operator of the call center. to the Hot Line operator?

Support number for calls from Moscow, Moscow region and anywhere in the world:

+7 495 258 72 00

Call to the number of the round-the-clock hotline "UniCredit Bank" +7 495 258 72 00 paid according to the tariffs of your telecom operator. We recommend calling this Hot Line number to residents of Moscow or when abroad and in international roaming.

Customer support phone number for clients from St. Petersburg:

+7 812 346 84 10

Call to a single number of the round-the-clock hotline UniCredit Bank in St. Petersburg +7 812 346 84 10 (Fontanka branch) is paid according to the tariffs of your telecom operator. We recommend calling this number to residents of St. Petersburg or when abroad and in roaming.

For emergency blocking of a lost MIR, VISA or MasterCard plastic card - click on the number immediately after connection. You can leave an appeal to the bank's own security service through the call center operator. You can contact the bank around the clock.

Internet bank “Enter. UniCredit "

Internet bank "Enter.UniCredit" from UniCredit Bank is one of the most modern and multifunctional remote banking systems in Russia. Using Enter.UniCredit you can perform various transactions on accounts from anywhere in the world, from any computer, smartphone or tablet with Internet access. Connect!

For login to your personal account and for more information on connecting the Internet Banking service - go to the official website Enter.unicredit.ru or call for help by calling the support service 8800 700 10 20 ... Experts are ready to answer your questions around the clock.

Online customer support "UniCredit Bank"

Couldn't get through to a bank specialist? Bank representatives will promptly answer all your questions via the Internet.

Leave your message through the feedback form on the official website of "Unicredit Bank". After receiving your question, bank employees will contact you on working days at the specified contact phone number. Applications are also accepted via the official e-mail address. This email address is being protected from spambots. You need JavaScript enabled to view it. .

We know very well that sometimes it is easier to write than to tell or call the Hotline - that's why Unicredit is open for communication with clients on social networks - join UniCredit groups In contact with and in Facebook .

The official representative of the UniCredit support service promptly answers customer questions and complaints on the personal finance portal - Banki.ru. On this site you can also read a lot of reviews from UniCredit Bank clients.

Do you prefer a laconic presentation of information? Bank "Unicredit Russia" maintains an official microblogging in

INFORMATION ABOUT UNICREDIT BANK

UniCredit Bank is a commercial bank operating in Russia since 1989. UniCredit Bank is one of the largest Russian banks with foreign participation, ranking 10th in the Interfax-100 rating in terms of assets based on the results of the first half of 2016. UniCredit Bank was founded under the name "International Moscow Bank" (IMB) in 1989 on the basis of a resolution of the Council of Ministers of the USSR. UniCredit is a bank that is rapidly growing and advancing in our country, competing and competing with such banks as Bank of Moscow, Probusiness Bank, SKB Bank, etc. Unicredit is one of the leading European commercial banks with a strong presence in more than 17 European countries. The global network of UniCredit covers the markets of about 50 countries and consists of about 9,000 branches with over 147,000 employees (data as of December 31, 2013). Understanding real life situations and the needs of private clients, companies and local communities is the key to our professional approach. We strive to provide concrete solutions and real benefits in response to all the questions and opportunities that our customers have.

UniCredit Bank has a strong position in the Russian corporate banking market, while being one of the leading banks in the retail financial services market.

In order to implement the provisions of the Federal Law of August 7, 2001 “On Counteracting the Legalization (Laundering) of Criminally Obtained Incomes and the Financing of Terrorism” No. 115-FZ and Bank of Russia regulations, AO UniCredit Bank developed, approved and put into effect the “Rules internal control of AO UniCredit Bank aimed at countering the legalization (laundering) of proceeds from crime and the financing of terrorism ”.

AO UniCredit Bank is a member of the international banking group UniCredit, within which there are uniform UniCredit Group Guidelines and Policy in the field of combating money laundering and terrorist financing (AML / CFT), based on the best international standards and the principle of compliance with legal requirements in all countries of the Group's presence.

AO UniCredit Bank has appointed a Responsible Officer - the Head of the Financial Monitoring Department, who is responsible for implementing the Internal Control Rules in the Bank for AML / CFT purposes and their implementation programs.

Additional information on the measures taken by AO UniCredit Bank in order to counter the legalization (laundering) of proceeds from crime and the financing of terrorism is contained in the credit institution's Questionnaire.

Bank official website- www.unicreditbank.ru

The main indicators of the bank for 2016

General license No. 1 of the Bank of Russia
Works in Russia since 1989
101 network divisions in Russia, 1 representative office in the Republic of Belarus
About 3 800 employees
Over 1.65 million retail customers
More than 28,000 corporate clients
Ratings: BBB- (Fitch), BB + (Standard & Poor's)
Total assets: RUB 1,235.55 billion
Capital: 154.7 billion rubles

CONSUMER LOANS FROM UNICREDIT BANK

Unicredit Bank offers its customers to issue a consumer loan on fairly favorable terms. Compared to other commercial banks, Unicredit Bank offers comfortable conditions, characterized by low interest rates and the possibility of refinancing.

A consumer loan from Unicredit Bank is an inappropriate loan for any purpose, which is issued by transferring to a bank account or a bank debit card. Considering that the bank is widely spread in large cities of the country, it will be very convenient to use such a loan for all clients.

Conditions for a cash loan from UniCredit Bank

In order to get a consumer loan from Unicredit Bank, you need to meet certain criteria for selecting borrowers. Considering that the bank operates on the territory of the Russian Federation, and our portal is focused on the Russian audience, then naturally, we can assume that the first requirement for the borrower will be the presence of a passport of a citizen of the Russian Federation and official employment with a minimum wage of 25,000 rubles or more. ...

Loan interest rate: 26% per annum (if the bank itself offers you to issue a loan in cash, then the rate will be 17.5% per annum)
Loan term: from 24 to 84 months
Without surety
Application consideration period: 1 business day
Maximum loan amount: up to 500,000 rubles (private offer from the bank - 1,200,000 rubles)

Borrower requirements for obtaining a loan from Unicredit bank

A loan can be obtained by a citizen of the Russian Federation
aged 19 to 55 for women and 60 for men
place of work in the city or region (krai) issuing a loan
permanent registration in any city or region (region) where the Bank's divisions are present (for salary clients of the Bank - a city or region (region) of the Russian Federation) and in adjacent regions
total work experience of at least 1 year (does not apply to salary clients of the Bank)
work experience at the last (current) job for at least 3 months

The minimum income required to obtain a consumer loan:

for clients confirming their income with an income statement:
at least 60,000 rubles - when obtaining a loan in Moscow,
at least 40,000 rubles - when obtaining a loan in St. Petersburg or other regional branches.

for salary clients of the Bank:
at least 35,000 rubles - when obtaining a loan in Moscow and the Moscow region,
at least 25,000 rubles - when obtaining a loan in St. Petersburg or other regional branches.

MORTGAGE FROM UNICREDIT BANK

A mortgage loan from UniCredit Bank is a really convenient opportunity to buy a home on favorable terms. The advantages of mortgage lending from Unicredit Bank are flexibility of payments and low interest rates for 2016 - 2017. Of course, there are certain disadvantages, as in any other mortgage lending system, for example, an initial payment, the amount of which is 20% of the cost of the acquired housing.

We will briefly consider several mortgage programs from Unicredit Bank:

Apartment for mortgage from Unicredit Bank

Basic conditions

Minimum down payment: 20% of the cost of the apartment;
Maximum loan amount for an apartment:
Moscow and St. Petersburg: 15,000,000 rubles;
Regions: 5,000,000 rubles;
Interest rate type: fixed;
Lending for complex real estate transactions - counter transactions, transactions with an alternative, etc .;
There is no requirement for the obligatory participation of the realtor in the transaction;
Your apartment can be used to pay the down payment.

Mortgage loan for the purchase of a cottage

You can take out a loan for an apartment or apartments in multi-storey residential buildings under construction, and / or a land plot with an individual residential building located on it from the list of objects accredited by the Bank;

You can take out a loan for an apartment for a period of: from 1 to 30 years;

Minimum down payment:

20% of the cost of an apartment or apartment;
50% of the cost of an individual residential building 2;
The down payment can be reduced by the amount of maternity capital for a loan in rubles
Maximum loan amount for an apartment: 9,000,000 rubles;
Fixed interest rate for the entire term of the loan;
Russian citizenship and registration in the region in which the apartment is purchased are not required;
There is no requirement for the obligatory participation of the realtor in the transaction.
Action level: Moscow, Moscow region, St. Petersburg and Leningrad region

CREDIT CARDS UNICREDIT BANK

Standard Credit Card MasterCard

Conditions

Revolving credit limit up to RUB 300,000
Grace period for crediting up to 55 days
One-touch payment for goods and services with MasterCard technology PayPass®
Discounts on the "Discount Card" and "MasterCard Plus" programs

Tariffs

Tariffs are effective from 11/16/15

These Tariffs are an integral part of the Agreement on the issue and use of a credit bank card.The commission for receiving cash, the commission for servicing the main and additional credit cards (Annual maintenance fee), as well as the commission for blocking the card in accordance with the Agreement are debited by the Bank from the card account. Funds are written off at the expense of the credit limit or at the expense of funds on the card account.

2 The credit limit under the Credit Bank Card Agreement is set individually at the discretion of AO UniCredit Bank and is specified in the Limit Agreement. For clients confirming their income with a document on the ownership of a car and clients confirming their income by a trip outside the Russian Federation, credit cards are issued only in rubles.

3 The interest rate under the Credit Bank Card Agreement is set on an individual basis at the discretion of AO UniCredit Bank and is specified in the Limit Agreement.

4 To receive a credit card on these conditions, the client must open a term deposit with AO UniCredit Bank for a period of at least 91 days for an amount of at least 150,000 rubles or 2,500 euros or dollars and apply for a credit card within 30 days after the date of opening the deposit ...

5 The range depends on the size of the credit limit.

6 Restriction on cash withdrawals by additional MasterCard Electronic 5,000 rubles. in a day.

All other expenses not specified in this section are subject to general tariffs for servicing bank cards.

Requirements

citizens of the Russian Federation who are permanently registered in any city or region (region) of the presence of the Bank's division (for salary clients of the Bank - the city or region (region) of the Russian Federation of the presence of the Bank's division and adjacent regions);
the borrower's age must not exceed 51 years for women and 56 years for men at the time of filing the Application (for clients opening a deposit 1 - 55 years for women and 60 years for men). At the same time, already upon reaching 25 years of age (for payroll clients 21 years, and for clients opening a deposit - 23 years), the client can receive a credit card;
the total length of service of the borrower must be at least 1 year (does not apply to salary clients of the Bank, clients with a special offer from the Bank, clients opening deposit 1);
the length of service of the borrower at the last job must be at least 6 months;
place of work in a city or region (region) issuing a loan / deposit 2;
the minimum income required to obtain a credit card
(average over the last 3 months income after tax):
for clients applying on standard terms:
- at least 40,000 rubles - when obtaining a loan in Moscow,
- at least 30,000 rubles - when obtaining a loan in St. Petersburg or other regional branches.

for salary clients of Bank 3 and clients opening deposit 1:
- at least 35,000 rubles - when obtaining a loan in Moscow,
- at least 25,000 rubles - when obtaining a loan in St. Petersburg or other regional branches.

1 To receive a credit card on these conditions, the client must open a term deposit with AO UniCredit Bank for a period of at least 91 days in the amount of at least 150,000 rubles or 2,500 euros or dollars and apply for a credit card within 30 days after the date of opening the deposit ...

2 For salary clients of the Bank - a city or region (territory) of the Russian Federation.

3 Salary clients of the Bank - employees of companies / organizations serviced by the Bank under the "Agreement for the provision of additional services for settlement services" or "Agreement for the provision of additional services for settlement services using a special account", and receiving salaries to the account (s) with the Bank (at least one transfer was made to the account in the last full calendar or current month with a sign of receipt of wages).

The documents

Individual:

Completed Application 1 for a credit card.
Original and copies of all pages of the passport.
For clients confirming their income with an income statement:
- a copy of the completed pages of the work book, certified by the employing organization 2;
- certificate of income from the last job (in the 2-NDFL form or in free form) for the last 3 months 3;
- the second document to choose from: driver's license, foreign passport, insurance certificate of the State Pension Insurance of the Russian Federation, TIN of an individual, insurance certificate of the State Compulsory Medical Insurance, certificate of vehicle registration, military ID.
For clients who opened a deposit for a period of 91 days and no more than 30 days ago:
- Completed Application for a Credit Card;
- Original and copies of all pages of the passport.
Salary clients 4 and clients opening a deposit 5 do not require proof of employment and income 6.

The final decision on granting a loan is made by the Bank after reviewing the full set of documents provided by the client. To make a decision, the Bank has the right to request additional information, as well as documents required to confirm the information received. The Bank reserves the right to check the information contained in the questionnaire by any legal means. The Bank also reserves the right to refuse to provide a loan without explaining the reasons for the refusal.

After a positive decision on the Application for a credit bank card is made by the Bank, the Agreement on the issue and use of a credit bank card is considered concluded, the Bank opens an account and issues the card. An integral part of this Agreement is also considered the "General Terms and Conditions of the Agreement on the Issue and Use of a Bank Card of AO UniCredit Bank" and the Tariff of Commission Fee for Executing Orders of Individuals - Customers of the Bank.

The credit limit is provided by the Bank after signing the Limit Agreement, which consists of the Individual Conditions of the Consumer Credit Agreement and the General Conditions of the Agreement on the Issue and Use of a Bank Card of AO UniCredit Bank. Individual conditions can be received within 182 calendar days after the date of the conclusion of the Agreement. Individual conditions can be signed within 5 calendar days after receiving them.

The Limit Agreement from the date of its signing by the Borrower becomes an integral part of the Agreement 7.

The credit card is issued after the conclusion of the Limit Agreement.

The term for consideration of an application for a credit card is up to 3 working days from the date of submission of a complete set of documents by the Borrower. The term for issuing and delivering a card to the Bank's office is up to 5 working days.

1 The application is valid for 30 days from the date of signing by the borrower.

2 Law enforcement officers and military personnel, in return for a certified copy of the work book, provide a copy of the identity card of a law enforcement officer / officer and a certificate from the financial department.

3 The Bank may also consider documented regular additional income from part-time jobs as income. Date of issue of the document confirming income - no more than 1 month ago from the date of filing the Application to the Bank. Requirements for issuing a free-form certificate can be found in the section Credit cards.

4 Salary clients of the Bank - employees of companies / organizations serviced by the Bank under the "Agreement for the provision of additional services for settlement services" or "Agreement for the provision of additional services for settlement services using a special account", and receiving salaries to the account (s) with the Bank (at least one transfer was made to the account in the last full calendar or current month with a sign of receipt of wages).

5 To receive a credit card on these conditions, the client must open a term deposit with AO UniCredit Bank for a period of at least 91 days in the amount of at least 150,000 rubles or 2,500 euros or dollars and apply for a credit card within 30 days after the date of opening the deposit ...

6 The bank has the right to request additional documents, including a certificate of income for making a decision.

7 All disputes that may arise between the Parties in connection with the Agreement shall be resolved through negotiations. If the Parties do not come to a mutual agreement, the arisen disputes are subject to consideration in accordance with the substantive and procedural law of the Russian Federation in a court of general jurisdiction:
- on claims of the Borrower against the Bank - in a court determined by the Borrower on the basis of the Law of the Russian Federation "On Protection of Consumer Rights";
- on claims of the Bank against the Borrower - in a court of general jurisdiction at the place of residence of the defendant.

The credit organization was established back in 1989 as the International Moscow Bank (IMB) on the basis of a decree of the Council of Ministers of the USSR. In 1991, the Bank of Russia received general license No. 1. IMB became the first Russian bank with foreign capital participation. Its founders included three domestic banks (Vnesheconombank - 20%, Sberbank - 10%, Promstroybank - 10%) and five western banks (Bayerische Hypo- und Vereinsbank (HVB), Creditanstalt-Bankverein, BancaCommercialeItaliana, CreditLyonnais and Kansallis-Osaki-Pankki ), each of which owned 12%. In June 1994, VEB withdrew from the IMB shareholders. Its shares were distributed between two new shareholders - Vneshtorgbank and BCEN-Eurobank (at that time the French subsidiary bank of the Central Bank of the Russian Federation).

In 2001, IMB took over the Russian subsidiary Bank Austria, which in 2005 became part of the UniCredit * group. By the end of 2006, UniCredit, through its subsidiary Bank Austria Creditanstalt AG, had consolidated 90.03% of IMB shares, and the European Bank for Reconstruction and Development owned another 9.97% (almost 5% of voting) shares. In July 2007, the UniCredit group completed the acquisition of an EBRD stake and became the owner of 100% of IMB shares. In accordance with the rebranding program of the banks included in the UniCredit group in Eastern Europe, in December 2007 the bank was renamed into UniCredit (since the end of 2014 - AO UniCredit Bank).

Until October 2016, the only shareholder of the bank was UniCredit Bank Austria AG, the ultimate beneficiary of which is UniCredit S.p.A. Currently UniCredit S.p.A. directly owns 100% of shares of JSC Unicredit Bank. All shares of UniCredit S.p.A. are in public circulation.

At present, UniCredit Bank is actively developing its retail business and branch network; it also calls servicing small and medium-sized businesses one of its priorities. As of September 30, 2018, the bank's network consisted of 13 branches, ten representative offices in the Russian Federation and one representative office in the Republic of Belarus. In general, the bank had 102 subdivisions in the Russian Federation, the total number of employees was about 4 thousand people.

According to the annual report, the bank served over 27.8 thousand corporate and about 2 million private clients as of December 31, 2017. Including the number of clients - small and medium-sized businesses in 2017 exceeded 22 thousand. In May 2013, UniCredit signed an agreement on the merger of ATM networks with Raiffeisenbank and Uralsib Bank. Now cardholders of Raiffeisenbank, Uralsib and UniCredit Bank cards have the opportunity to withdraw cash and find out the balance on cards without additional fees at ATMs of any of these credit institutions throughout Russia. The united network includes more than 6 thousand devices. According to the information on the UniCredit Bank website, its cardholders also have the opportunity to withdraw cash on standard terms from ATMs of Credit Bank of Moscow. In addition, the clients of the Russian "UniCredit" can withdraw cash from the devices of banks of the UniCredit group in 18 more countries of its presence on the same conditions as in Russia.

The bank is one of the leaders in the car lending market (including working under government subsidized programs), occupying a position in the top 5 largest players in this segment (data from the annual report for 2017). The list of loan products also includes credit cards, consumer loans and mortgages (including mortgage refinancing). In addition, the bank is actively developing investment products for private clients.

Since the beginning of 2018, the volume of net assets of a credit institution has shown a slight increase by 3.0% and amounted to 1.3 trillion rubles by October 2018. Over the indicated period, the growth in liabilities was funded mainly by client funds, mainly by short-term deposits of corporate clients (to a lesser extent - by deposits of individuals). In addition, the bank's equity capital showed a slight growth. The growth in these liabilities made it possible to compensate for the redemption of almost a quarter of attracted interbank loans and more than 60% of issued bonds. In assets, the main growth was shown by the loan portfolio (+ 10.3%), while not only the liquidity attracted from clients was directed to lending, but also funds from the sale of securities, the portfolio of which decreased by 26%.

The bank is characterized by a high dependence on the funds of legal entities: in the passive part of the balance sheet, their share is 47.6% as of the reporting date (602.4 billion rubles). During the period under review, corporate clients' funds showed an increase of 5.1% due to the attraction of short-term deposits (for periods of up to six months), which also made it possible to repay almost a third of long-term deposits (over three years). Funds of the population form 17.7% of net liabilities (+ 4.2% in volume since the beginning of 2018) and are quite well diversified in terms of terms, represented by balances on current and card accounts, as well as deposits of various maturities. A slightly smaller share is accounted for by equity capital. According to the Central Bank's methodology, it includes a subordinated loan in the amount of 480.9 million US dollars, attracted from Unicredit Bank Austria AG, with maturity in March 2025.

Interbank loans attracted by the bank - 6.2%, of which about 60% were attracted for various periods from non-resident banks (members of the parent group), and the rest - from Russian counterparties, mainly for periods of up to six months. The share of issued bonds and balances on Loro correspondent accounts in aggregate does not exceed 1%. The bank's customer base is large and active, the turnover on customer accounts in the last months of the study period was stable in the range of 5-6 trillion rubles per month. It is worth noting that the bank demonstrates a high concentration of its client portfolio on the largest clients: ten of them accounted for about 39% of the total amount of customer funds under IFRS as of September 30, 2018 (44% as of December 31, 2017).

In the composition of net assets, 60.7% falls on the loan portfolio, issued by interbank loans - 18.5%, investments in securities - 7.6%, highly liquid assets - 3.8%, investments in the capital of other organizations - 0.6% , fixed assets and other assets - 8.8% in total.

The loan portfolio is 81% formed by loans to legal entities, the rest is retail lending, including loans to small and medium-sized businesses. The total loan portfolio as of the reporting date amounted to RUB 769.4 billion, having increased by 10.3% since the beginning of 2018, mainly due to the dominant corporate portfolio (+ 10.1%), although the retail portfolio also showed a similar growth in relative terms (+ 11.3%). Loans are mainly issued for a long-term period. Overdue debt is shown at a moderate level - 4.7% (at the beginning of 2018 - 5.2%). The level of provisioning is 7.6% as of the reporting date (7.9%). At the same time, property provided 146.2% of the loan portfolio (132.1%). As of September 30, 2018, the volume of loans issued to the seven largest borrowers amounted to about 23% of the total loan portfolio before deducting provisions under IFRS.

The sectoral structure of the corporate loan portfolio is fairly well diversified. According to the 2017 report, the largest share in the portfolio was in the energy sector (including the oil and gas sector) and barely exceeded 15%. The food, chemical and pharmaceutical industries, mining and production of non-ferrous metals also accounted for 10% to 15%. The shares of a number of other industries in the portfolio did not exceed 8%.

The portfolio of securities, almost entirely represented by investments in bonds, has decreased by 26% since the beginning of 2018 and amounted to 95.9 billion rubles at the reporting date. Traditionally, a significant part of the bond portfolio (90% at the reporting date) is Russian government bonds. The share of securities pledged under repo transactions barely exceeded 4% at the reporting date. The intra-monthly turnover in the securities portfolio has been moderate and stable lately.

The bank is extremely active in the interbank lending market, works in both directions, however, it occupies a position of a net creditor. Since the beginning of 2018, the monthly turnover for placement has ranged from 0.7 trillion to 2.3 trillion rubles, for attracting - 0.4-0.9 trillion rubles. The Bank places liquidity primarily with Russian banks, although it conducts transactions with both the Bank of Russia and non-resident banks. The bank attracts MBK within the month also mainly in the Russian market, to a lesser extent from non-resident banks (the parent structure mainly provides the bank with long-term funding). In the foreign exchange market, the financial institute acts as a market maker with turnovers on foreign exchange transactions within a month, amounting to 3-10 trillion rubles since the beginning of 2018.

At the end of January - September 2018, the bank received 14.5 billion rubles of net profit, according to financial statements under RAS (for the corresponding period of 2017 - 22.6 billion rubles). Net profit for the entire 2017 amounted to 28.0 billion rubles.

Supervisory Board: Erich Hampel (Chairman), Andrea Diamanti, Carlo Vivaldi, Marco Radice, Anna Maria Ricco, Husein Faik Achykalyn, Nikolaus Maximilian Linarik.

Governing body: Mikhail Alekseev (chairman), Kirill Zhukov-Emelyanov, Svetlana Zolotareva, Algimantas Kundrotas, Ivan Matveev, Graziano Cameli, Stefano Santini.

* One of the largest banking groups in Europe, UniCredit serves about 26 million clients (data of the group's presentation as of June 2018) in Western, Central and Eastern Europe (14 key markets, as well as 18 other countries of the world). The main areas of the group (in terms of revenue generation) at the end of 2017 were: commercial banking in Italy, corporate and investment business, activities of divisions in Central and Eastern Europe, commercial banking in Germany and Austria. The number of employees as of June 30, 2018 is 88 640 employees. 100% of the group's shares (UniCredit S. p. F.) is in public circulation.

Consolidated assets of UniCredit at the end of 2017 amounted to 836.8 billion euros, equity - 59.3 billion euros, net profit? 5.5 billion euros. In the third quarter of 2018, the group's net profit decreased to 29 million euros (against 2.82 billion euros inIIIquarter of 2017) due to the write-off of the value of assets in a Turkish bankYapi Kredi.