| |
31.12.2002 |
31.12.2003 |
31.12.2004 |
31.12.2005 |
31.12.2006 |
31.12.2007* |
31.12.2009 |
31.12.2010 |
| 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 |
3 950 678 |
2 023 342 |
| Interest income on short-term placements |
119 959 |
51 017 |
87 921 |
784 552 |
1 167 999 |
12 317 091 |
733 909 |
714 464 |
| Interest income (dividends) on securities bought for sale |
0 |
0 |
0 |
0 |
12 655 |
4 544 |
0 |
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 |
15 394 487 |
16 267 804 |
| Fee and commission income |
28 027 442 |
42 413 174 |
62 850 271 |
87 171 821 |
110 303 084 |
141 379 292 |
163 645 965 |
94 462 710 |
| Other interest income |
0 |
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 |
183 725 039 |
113 468 320 |
| Interest expenses |
| Interest expenses on loans due to banks |
0 |
0 |
55 233 |
11 375 |
21 056 |
507 604 |
1 166 307 |
305 546 |
| Interest expense on customers deposits |
8 269 574 |
12 108 119 |
18 361 876 |
35 026 607 |
46 351 365 |
64 027 582 |
95 095 157 |
62 599 944 |
| Interest expense on corporate deposits |
856 208 |
895 315 |
3 764 885 |
4 399 542 |
5 367 139 |
6 359 439 |
12 049 999 |
3 911 102 |
| Total interest expense on deposits |
9 125 782 |
13 003 434 |
22 181 994 |
39 437 524 |
51 739 560 |
70 894 625 |
108 311 463 |
66 816 592 |
| Interest expenses on overnight loans |
0 |
26 382 |
82 050 |
631 |
167 028 |
634 634 |
893 825 |
9 125 |
| Interest expense on other loans |
1 156 795 |
3 356 839 |
6 197 729 |
6 493 751 |
9 283 768 |
16 325 344 |
25 580 141 |
23 287 674 |
| Total interest expense on loans |
1 156 795 |
3 383 221 |
6 279 779 |
6 494 382 |
9 450 796 |
126 959 978 |
26 473 966 |
23 296 799 |
| Total interest expenses |
10 282 577 |
16 386 655 |
28 461 773 |
45 931 906 |
61 190 356 |
87 854 603 |
134 785 429 |
90 113 391 |
| Net interest income |
20 021 838 |
30 760 750 |
40 006 780 |
45 328 858 |
55 721 885 |
69 831 731 |
48 939 610 |
23 354 929 |
| Less: loan loss provisions |
958 385 |
5 146 710 |
2 317 663 |
7 405 224 |
9 269 406 |
13 931 076 |
18 990 855 |
85 509 286 |
| 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 |
29 948 755 |
-62 154 357 |
| Non interest income |
| Income (losses) on securities for sale |
1 771 |
227 |
21 155 |
1 125 |
1 113 551 |
(54259) |
6 861 |
1 941 722 |
| Income (losses) on investment securities |
73 656 |
(74 293) |
28 383 |
0 |
0 |
0 |
122 639 |
166 534 |
| Foreign exchange gain (loss) |
3 372 502 |
8 042 265 |
11 217 890 |
12 341 090 |
18 389 943 |
31 725 251 |
16 590 705 |
30 783 908 |
| Commission income |
10 925 161 |
16 927 987 |
22 315 675 |
26 810 508 |
33 998 222 |
43 168 356 |
46 934 676 |
42 302 308 |
| Other non interest income |
4 200 800 |
2 908 158 |
410 441 |
837 299 |
2 270 984 |
1 816 454 |
16 920 803 |
7 221 100 |
| Total non interest income |
18 573 890 |
27 804 344 |
33 993 544 |
39 990 022 |
55 772 700 |
76 655 802 |
80 575 684 |
82 415 572 |
| 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 |
31 431 621 |
32 081 267 |
| Premium |
995 350 |
6 254 143 |
3 451 219 |
3 190 744 |
4 955 082 |
7 039 167 |
3 984 352 |
651 748 |
| 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 |
10 020 259 |
9 382 263 |
| Expenses on foxed assets |
3 396 597 |
4 381 906 |
7 509 420 |
10 664 951 |
14 031 650 |
16 504 631 |
21 292 679 |
19 890 593 |
| Taxes and fees |
69 162 |
79 729 |
133 209 |
204 998 |
76 325 |
234 162 |
366 871 |
619 158 |
| Payment for consulting and audit services |
651 047 |
339 318 |
353 550 |
365 545 |
385 859 |
441 854 |
1 238 102 |
654 894 |
| Other non interest expense |
7 495 628 |
8 963 908 |
10 607 148 |
12 906 047 |
16 016 558 |
21 841 426 |
33 226 035 |
40 069 014 |
| Assesments for allowance for non interest assets losses |
|
|
|
|
|
1 134 117 |
-339 210 |
2 103 269 |
| Assesments for contingent liabilities losses |
|
|
|
|
|
2 983 873 |
-1 425 864 |
-1 617 577 |
| Total non interest expenses |
22 261 677 |
31 071 702 |
41 781 241 |
49 922 964 |
63 558 617 |
85 958 616 |
99 794 845 |
103 834 629 |
| 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 |
10 729 594 |
-83 573 414 |
| Income tax |
2 624 920 |
2 405 497 |
5 409 927 |
2 476 479 |
2 473 070 |
2 743 983 |
0 |
202 993 |
| Net income (loss) before extraordinary articles |
12 750 746 |
19 941 185 |
24 491 493 |
25 514 213 |
36 193 492 |
43 853 858 |
10 729 594 |
-83 776 407 |
| Extraordinary income (loss) |
1 115 |
(2 434) |
-4 534 |
0 |
0 |
0 |
7 950 |
0 |
| Income tax* |
279 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Extraordinary income (loss) less income tax* |
836 |
(2 434) |
-4 534 |
0 |
0 |
0 |
7 950 |
0 |
| Net income (loss) |
12 751 582 |
19 938 751 |
24 486 959 |
25 514 213 |
36 492 179 |
43 853 858 |
10 737 544 |
-83 776 407 |