Financial rezults report

	31.12.2002	31.12.2003	31.12.2004	31.12.2005	31.12.2006	31.12.2007	30.06.2008
Interest Income
Interest income on loans due to banks	835 025	1 759 773	1 158 042	935 834	2 421 843	3 209 446	4 005 259
Interest income on short-term placements	119 959	51 017	87 921	784 552	1 167 999	12 317 091	758 471
Interest income (dividends) on securities bought for sale	0	0	0	0	12 655	4 544	0
Interest income (dividends) on investment securities	1 321 989	2 923 441	4 372 319	2 368 557	3 006 660	10 775 961	6 037 149
Fee and commission income	28 027 442	42 413 174	62 850 271	87 171 821	110 303 084	141 379 292	93 996 992
Other interest income	0	0	0	0	0	0	0
Total interest income	30 304 415	47 147 405	68 468 553	91 260 764	116 912 241	157 688 344	50 825 494
Interest expenses
Interest expenses on loans due to banks	0	0	55 233	11 375	21 056	507 604	1 438 819
Interest expense on customers deposits	8 269 574	12 108 119	18 361 876	35 026 607	46 351 365	64 027 582	44 361 944
Interest expense on corporate deposits	856 208	895 315	3 764 885	4 399 542	5 367 139	6 359 439	4 518 979
Total interest expense on deposits	9 125 782	13 003 434	22 181 994	39 437 524	51 739 560	70 894 625	50 319 742
Interest expenses on overnight loans	0	26 382	82 050	631	167 028	634 634	785 939
Interest expense on other loans	1 156 795	3 356 839	6 197 729	6 493 751	9 283 768	16 325 344	10 766 436
Total interest expense on loans	1 156 795	3 383 221	6 279 779	6 494 382	9 450 796	126 959 978	11 552 375
Total interest expenses	10 282 577	16 386 655	28 461 773	45 931 906	61 190 356	87 854 603	61 872 117
Net interest income	20 021 838	30 760 750	40 006 780	45 328 858	55 721 885	69 831 731	42 925 754
Less: loan loss provisions	958 385	5 146 710	2 317 663	7 405 224	9 269 406	13 931 076	3 483 484
Net interest income after loan loss provisions	19 063 453	25 614 040	37 689 117	37 923 364	46 452 479	55 900 655	39 442 270
Non interest income
Income (losses) on securities for sale	1 771	227	21 155	1 125	1 113 551	(54259)	(36 074)
Income (losses) on investment securities	73 656	(74 293)	28 383	0	0	0	0
Foreign exchange gain (loss)	3 372 502	8 042 265	11 217 890	12 341 090	18 389 943	31 725 251	24 614 421
Commission income	10 925 161	16 927 987	22 315 675	26 810 508	33 998 222	43 168 356	25 112 372
Other non interest income	4 200 800	2 908 158	410 441	837 299	2 270 984	1 816 454	3 015 475
Total non interest income	18 573 890	27 804 344	33 993 544	39 990 022	55 772 700	76 655 802	52 706 194
Non interest expenses
Expenses related to salaries	6 369 838	8 352 822	11 390 755	13 542 633	17 596 531	22 597 316	13 612 586
Premium	995 350	6 254 143	3 451 219	3 190 744	4 955 082	7 039 167	8 823 199
Deductions to pension and social funds, and other payments	3 284 055	6 262 395	8 335 940	9 048 045	10 496 612	13 182 070	6 683 318
Expenses on foxed assets	3 396 597	4 381 906	7 509 420	10 664 951	14 031 650	16 504 631	8 682 347
Taxes and fees	69 162	79 729	133 209	204 998	76 325	234 162	55 413
Payment for consulting and audit services	651 047	339 318	353 550	365 545	385 859	441 854	216 619
Other non interest expense	7 495 628	8 963 908	10 607 148	12 906 047	16 016 558	21 841 426	15 894 197
Assesments for allowance for non interest assets losses						1 134 117	201 986
Assesments for contingent liabilities losses						2 983 873	1 188 138
Total non interest expenses	22 261 677	31 071 702	41 781 241	49 922 964	63 558 617	85 958 616	55 357 803
Net income (loss) before taxation and extraordinary articles	15 375 666	22 346 682	29 901 420	27 990 692	38 666 562	46 597 841	36 790 661
Income tax	2 624 920	2 405 497	5 409 927	2 476 479	2 473 070	2 743 983	0
Net income (loss) before extraordinary articles	12 750 746	19 941 185	24 491 493	25 514 213	36 193 492	43 853 858	36 790 661
Extraordinary income (loss)	1 115	(2 434)	-4 534	0	0	0	0
Income tax*	279	0	0	0	0	0	0
Extraordinary income (loss) less income tax*	836	(2 434)	-4 534	0	0	0	0
Net income (loss)	12 751 582	19 938 751	24 486 959	25 514 213	36 492 179	43 853 858	36 790 661