INCOME STATEMENT | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| INCOME STATEMENT | 1. Interest income | | 52 169.32 | 68 628.48 | 61 352.50 | 59 712.61 | 49 250.50 | 58 051.18 | 53 596.20 | 53 925.87 | 69 845.65 | 75 503.05 | 40 528.81 |
| 2. Interest expenses | | 44 173.56 | 61 103.30 | 53 476.88 | 51 630.23 | 41 026.01 | 49 574.74 | 45 272.72 | 45 829.12 | 61 899.50 | 65 903.34 | 30 510.15 |
| 3. Net interest income | | 7 995.76 | 7 525.18 | 7 875.61 | 8 082.38 | 8 224.49 | 8 476.44 | 8 323.48 | 8 096.75 | 7 946.16 | 9 599.72 | 10 018.66 |
4. Net non-interest income | | 4 682.33 | 7 198.10 | 7 473.31 | 5 530.67 | 6 048.27 | 4 724.00 | 5 482.78 | 10 827.70 | 8 919.27 | -9 130.44 | 4 142.11 |
| 4. Net non-interest income | 4.a. Fees and commissions receivable | | 2 890.51 | 4 205.02 | 3 773.31 | 3 418.41 | 3 368.07 | 3 699.53 | 4 249.09 | 4 735.28 | 5 272.56 | 4 900.61 | 5 162.57 |
| 4.b. Fees and commissions payable | | 1 336.40 | 1 947.22 | 1 673.76 | 1 638.52 | 1 611.43 | 1 789.69 | 1 953.94 | 2 181.91 | 2 377.59 | 2 675.84 | 2 426.57 |
| 4.c. Net profit or loss on financial operations | | 2 628.16 | 3 305.69 | 3 728.07 | 2 575.51 | 2 414.03 | 2 452.09 | 1 514.38 | 4 964.31 | 4 153.96 | 539.27 | 1 515.89 |
| 4.d. Other net non-interest income | | 500.06 | 1 634.62 | 1 645.68 | 1 175.28 | 1 877.59 | 362.08 | 1 673.25 | 3 310.03 | 1 870.35 | -11 894.49 | -109.77 |
| 5. Net interest and non-interest income | | 12 678.09 | 14 723.28 | 15 348.92 | 13 613.06 | 14 272.76 | 13 200.44 | 13 806.25 | 18 924.46 | 16 865.43 | 469.27 | 14 160.77 |
6. Operating expenses | | 8 384.42 | 8 967.12 | 9 608.38 | 9 143.52 | 8 698.15 | 8 798.55 | 8 793.97 | 9 722.00 | 10 580.69 | 10 992.58 | 11 694.96 |
| 6. Operating expenses | 6.a. Staff costs |  | 4 704.34 | 4 909.70 | 5 072.85 | 4 972.78 | 4 886.86 | 4 873.08 | 4 746.57 | 4 984.45 | 5 251.98 | 5 442.19 | 5 289.12 |
| 6.b. Property costs | | 642.16 | 620.74 | 665.94 | 668.51 | 523.03 | 519.49 | 470.27 | 448.85 | 456.60 | 474.96 | 474.98 |
| 6.c. Other operating expenses | | 3 037.92 | 3 436.68 | 3 869.60 | 3 502.23 | 3 288.26 | 3 405.98 | 3 577.13 | 4 288.71 | 4 872.11 | 5 075.44 | 5 930.86 |
| 7. Net income before provisions | | 4 293.67 | 5 756.17 | 5 740.54 | 4 469.54 | 5 574.61 | 4 401.89 | 5 012.29 | 9 202.45 | 6 284.74 | -10 523.31 | 2 465.82 |
8. Net provisions | | 1 096.09 | 953.23 | 1 090.98 | 860.98 | 585.96 | 189.75 | -304.69 | 330.43 | 2 657.25 | 8 771.54 | 5 178.71 |
| 8. Net provisions | 8.a. Provisions on loans |  | 800.41 | 704.55 | 870.03 | 845.63 | 877.41 | 480.63 | -47.02 | 149.19 | 361.03 | 3 113.30 | 1 459.02 |
| 8.b. Provisions on securities |  | -22.07 | 200.00 | 137.51 | 297.82 | -122.91 | -130.55 | -47.42 | -18.96 | 2 491.57 | 5 244.67 | 634.27 |
| 8.c. Other net provisions |  | 317.75 | 48.68 | 83.44 | -282.47 | -168.54 | -160.33 | -210.26 | 200.21 | -195.35 | 413.58 | 3 085.42 |
| 9. Income before tax | | 3 197.58 | 4 802.94 | 4 649.56 | 3 608.56 | 4 988.65 | 4 212.14 | 5 316.98 | 8 872.02 | 3 627.49 | -19 294.85 | -2 712.89 |
| 10. Income tax | | 537.69 | 934.61 | 790.95 | 988.82 | 696.43 | 759.67 | 658.85 | 832.80 | 642.71 | 218.38 | 312.05 |
| 11. Net income after tax | | 2 659.89 | 3 868.33 | 3 858.61 | 2 619.74 | 4 292.23 | 3 452.47 | 4 658.13 | 8 039.22 | 2 984.78 | -19 513.23 | -3 024.95 |
| 12. Distributed profit |  | 1 746.05 | 2 382.30 | 2 618.58 | 2 177.98 | 2 264.92 | 3 916.57 | 2 515.98 | 4 902.56 | 3 145.33 | 847.83 | 410.42 |
| 13. Retained profit |  | 913.84 | 1 486.03 | 1 240.04 | 441.76 | 2 027.30 | -464.09 | 2 142.14 | 3 136.66 | -160.55 | -20 361.05 | -3 435.36 |
BALANCE SHEET | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| BALANCE SHEET | Assets | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Assets | 14. Cash and balance with Central bank | | 4 973.15 | 8 335.89 | 7 875.59 | 6 156.00 | 10 101.62 | 6 877.68 | 7 896.01 | 8 972.73 | 19 821.13 | 11 721.02 | 21 779.91 |
| 15. Interbank deposits | | 168 813.53 | 139 589.15 | 170 727.99 | 172 599.97 | 202 441.62 | 226 945.84 | 273 702.62 | 298 681.79 | 339 775.67 | 231 044.07 | 217 764.58 |
| 16. Loans | | 246 235.14 | 277 306.49 | 277 144.17 | 289 380.63 | 299 231.09 | 322 912.32 | 385 478.11 | 424 330.32 | 473 698.34 | 451 487.87 | 410 882.70 |
| 17. Securities | | 243 875.38 | 240 153.24 | 265 815.93 | 250 437.95 | 261 750.36 | 272 258.32 | 297 550.20 | 313 967.15 | 327 480.25 | 325 396.94 | 318 105.76 |
| 18. Other assets | | 49 829.32 | 59 743.68 | 81 812.69 | 73 753.13 | 78 549.21 | 100 209.35 | 109 194.99 | 113 221.95 | 152 381.95 | 221 492.29 | 161 593.96 |
Liabilities | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Liabilities | 19. Capital and reserves | | 23 066.41 | 26 441.76 | 30 158.48 | 31 208.88 | 31 558.53 | 30 902.74 | 31 299.87 | 37 103.50 | 56 616.39 | 46 811.52 | 48 297.19 |
| 20. Borrowing from Central bank |  | 20.42 | 10.52 | 108.23 | 43.49 | 91.69 | 25.39 | 485.52 | 719.54 | 1 432.56 | 617.16 | 309.75 |
| 21. Interbank deposits | | 250 853.76 | 227 567.09 | 246 647.31 | 228 493.94 | 265 021.33 | 293 653.22 | 390 785.55 | 435 899.46 | 468 904.15 | 340 517.94 | 254 587.17 |
| 22. Customer deposits | | 272 729.63 | 286 053.32 | 325 805.14 | 338 077.56 | 360 596.48 | 399 093.91 | 445 249.71 | 463 789.86 | 512 311.75 | 522 806.13 | 532 203.16 |
| 23. Bonds |  | 97 158.25 | 102 889.47 | 95 056.97 | 91 301.66 | 84 053.92 | 76 662.70 | 72 832.74 | 80 342.24 | 97 452.72 | 78 374.89 | 109 867.06 |
| 24. Other liabilities | | 69 898.06 | 82 166.30 | 105 600.24 | 103 202.16 | 110 751.94 | 128 865.55 | 133 168.51 | 141 319.35 | 176 439.77 | 252 014.54 | 184 862.60 |
| 25. End-year total | | 713 726.51 | 725 128.46 | 803 376.36 | 792 327.68 | 852 073.90 | 929 203.50 | 1 073 821.92 | 1 159 173.94 | 1 313 157.33 | 1 241 142.18 | 1 130 126.92 |
| 26. Average total |  | 711 480.95 | 744 440.02 | 782 208.86 | 811 333.50 | 814 592.59 | 930 572.70 | 1 026 911.51 | 1 107 225.79 | 1 248 325.87 | 1 360 274.59 | 1 175 437.21 |
MEMORANDUM ITEMS | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| MEMORANDUM ITEMS | Assets | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Assets | 27. Short-term securities |  | 36 152.05 | 24 328.72 | 22 464.74 | 23 043.03 | 18 866.06 | 16 133.47 | 15 060.67 | 14 325.81 | 17 762.85 | 12 118.25 | 9 989.04 |
| 28. Bonds |  | 186 293.16 | 191 261.79 | 215 879.30 | 199 068.56 | 215 042.99 | 226 949.06 | 251 465.25 | 253 738.23 | 238 128.57 | 274 281.41 | 266 090.98 |
| 29. Shares and participations |  | 21 430.17 | 24 562.73 | 27 471.89 | 28 326.37 | 27 841.31 | 29 175.79 | 31 024.27 | 45 903.11 | 71 588.83 | 38 997.29 | 42 025.75 |
| 30. Claims on non-residents |  | 311 827.68 | 346 310.80 | 405 416.22 | 422 863.44 | 476 910.79 | 527 392.91 | 656 440.72 | 710 840.79 | 811 709.08 | 677 936.29 | 576 660.72 |
Liabilities | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Liabilities | 31. Liabilities to non-residents |  | 297 648.82 | 325 862.91 | 379 931.91 | 368 259.53 | 402 612.41 | 440 040.11 | 560 174.68 | 612 266.17 | 687 933.18 | 524 604.66 | 459 192.75 |
Capital adequacy | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Capital adequacy | 32. Tier 1 Capital |  | 25 782.72 | 29 144.62 | 30 625.25 | 32 749.60 | 31 496.41 | 32 470.43 | 31 224.88 | 38 952.49 | 61 034.21 | 54 459.06 | 53 119.59 |
| 33. Tier 2 Capital |  | 16 469.58 | 19 151.62 | 20 072.14 | 19 283.99 | 18 227.45 | 16 732.63 | 17 182.98 | 17 151.74 | 21 352.72 | 24 371.40 | 18 018.89 |
| 34. Supervisory deductions |  | 14 790.63 | 18 186.99 | 20 776.15 | 20 998.58 | 20 300.29 | 20 660.18 | 22 918.64 | 21 591.70 | 2 496.95 | 3 062.20 | 4 095.57 |
| 35. Total regulatory capital |  | 27 461.67 | 30 109.24 | 29 921.24 | 31 035.01 | 29 423.57 | 28 542.88 | 25 489.21 | 34 512.53 | 79 889.98 | 75 768.25 | 67 042.90 |
| 36. Risk-weighted assets |  | 210 090.11 | 219 407.60 | 215 499.48 | 202 112.40 | 214 166.83 | 226 280.86 | 250 361.43 | 299 730.63 | 405 853.09 | 332 159.85 | 311 410.73 |
| 37. Number of institutions | | 75.00 | 72.00 | 67.00 | 65.00 | 61.00 | 59.00 | 54.00 | 51.00 | 52.00 | 51.00 | 48.00 |
| 38. Number of branches | | 14 503.00 | 13 696.00 | 12 173.00 | 10 975.00 | 10 011.00 | 9 525.00 | 9 207.00 | 8 601.00 | 8 451.00 | 8 259.00 | .. |
| 39. Number of employees | | 76 302.00 | 76 364.00 | 75 843.00 | 74 896.00 | 72 210.00 | 70 483.00 | 68 478.00 | 67 435.00 | 66 724.00 | 65 246.00 | .. |