| Country |  |
| Bank | |
| Year | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 |
  |   |   |   |   |   |   |   |   |   |   |   |   |
| Item | | | | | | | | | | | | | | |
INCOME STATEMENT | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| INCOME STATEMENT | 1. Interest income | | 24 050.06 | 22 022.19 | 22 335.20 | 22 707.50 | 22 332.94 | 27 412.70 | 26 866.86 | 23 521.58 | 20 846.00 | 21 219.00 | 23 556.00 | 28 802.00 | 37 291.00 |
| 2. Interest expenses | | 17 516.55 | 15 388.33 | 15 847.26 | 16 375.30 | 16 116.73 | 20 759.43 | 19 922.10 | 16 623.04 | 13 955.00 | 14 254.00 | 16 667.00 | 21 738.00 | 29 900.00 |
| 3. Net interest income | | 6 533.51 | 6 633.87 | 6 487.94 | 6 332.20 | 6 216.22 | 6 653.27 | 6 944.83 | 6 898.54 | 6 891.00 | 6 966.00 | 6 888.00 | 7 065.00 | 7 391.00 |
4. Net non-interest income | | 4 243.08 | 4 618.80 | 4 894.37 | 5 691.23 | 5 999.14 | 6 696.95 | 6 942.22 | 6 630.74 | 6 771.00 | 7 234.00 | 8 549.00 | 9 279.00 | 10 499.00 |
| 4. Net non-interest income | 4.a. Fees and commissions receivable | | 2 212.02 | 2 462.66 | 2 730.90 | 3 041.14 | 3 436.12 | 4 087.63 | 4 068.59 | 4 027.75 | 4 250.00 | 4 600.00 | 5 381.00 | 6 074.00 | 6 645.00 |
| 4.b. Fees and commissions payable | | 449.99 | 503.48 | 589.38 | 646.50 | 782.40 | 996.20 | 1 009.86 | 1 002.89 | 1 099.00 | 1 236.00 | 1 509.00 | 1 828.00 | 2 063.00 |
| 4.c. Net profit or loss on financial operations | | 573.17 | 614.96 | 615.61 | 641.85 | 453.26 | 503.70 | 516.12 | 541.49 | 614.00 | 578.00 | 623.00 | 636.00 | 292.00 |
| 4.d. Other net non-interest income | | 1 907.88 | 2 044.65 | 2 137.31 | 2 654.74 | 2 892.09 | 3 101.82 | 3 367.44 | 3 064.32 | 3 006.00 | 3 293.00 | 4 054.00 | 4 398.00 | 5 625.00 |
| 5. Net interest and non-interest income | | 10 776.58 | 11 252.66 | 11 382.31 | 12 023.43 | 12 215.36 | 13 350.22 | 13 886.98 | 13 529.36 | 13 662.00 | 14 200.00 | 15 437.00 | 16 343.00 | 17 890.00 |
6. Operating expenses | | 7 484.36 | 7 780.79 | 7 897.14 | 8 164.28 | 8 426.42 | 8 928.44 | 9 382.50 | 9 469.78 | 9 400.00 | 9 551.00 | 9 829.00 | 10 576.00 | 10 624.00 |
| 6. Operating expenses | 6.a. Staff costs | | 3 940.76 | 4 085.52 | 4 157.47 | 4 238.86 | 4 355.50 | 4 451.07 | 4 646.48 | 4 727.73 | 4 746.00 | 4 842.00 | 5 005.00 | 5 423.00 | 5 416.00 |
| 6.b. Property costs | | 2 181.71 | 2 326.33 | 2 420.66 | 2 587.37 | 2 687.22 | 2 899.36 | 3 131.91 | 3 140.41 | 3 089.00 | 3 067.00 | 3 260.00 | 3 447.00 | 3 653.00 |
| 6.c. Other operating expenses | | 1 361.89 | 1 368.94 | 1 319.01 | 1 338.05 | 1 383.69 | 1 578.02 | 1 604.11 | 1 601.71 | 1 566.00 | 1 642.00 | 1 563.00 | 1 706.00 | 1 555.00 |
| 7. Net income before provisions | | 3 292.23 | 3 471.87 | 3 485.17 | 3 859.15 | 3 788.94 | 4 421.78 | 4 504.48 | 4 059.58 | 4 262.00 | 4 649.00 | 5 608.00 | 5 768.00 | 7 266.00 |
8. Net provisions | | 1 685.14 | 1 759.48 | 1 655.05 | 1 709.19 | 1 551.64 | 1 602.07 | 1 389.07 | 2 151.41 | 1 803.00 | 938.00 | 1 606.00 | -965.00 | 2 111.00 |
| 8. Net provisions | 8.a. Provisions on loans | | 1 929.03 | 1 864.28 | 1 833.75 | 2 240.94 | 1 808.90 | 2 045.45 | 2 312.52 | 2 161.94 | 1 848.00 | 2 089.00 | 2 014.00 | 1 885.00 | 2 010.00 |
| 8.b. Provisions on securities | | -243.89 | -104.79 | -178.70 | -531.75 | -257.34 | -443.45 | -923.45 | -10.61 | -45.00 | -1 151.00 | -408.00 | -2 850.00 | 101.00 |
| 8.c. Other net provisions | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| 9. Income before tax | | 1 607.09 | 1 712.39 | 1 830.12 | 2 149.95 | 2 237.38 | 2 819.71 | 3 115.34 | 1 908.17 | 2 459.00 | 3 711.00 | 4 002.00 | 6 733.00 | 5 155.00 |
| 10. Income tax | | 271.41 | 363.15 | 342.50 | 244.33 | 278.56 | 403.77 | 319.91 | 310.53 | 350.00 | 387.00 | 457.00 | 416.00 | 325.00 |
| 11. Net income after tax | | 1 335.68 | 1 349.24 | 1 487.62 | 1 905.63 | 1 958.75 | 2 415.94 | 2 795.51 | 1 597.64 | 2 109.00 | 3 324.00 | 3 545.00 | 6 317.00 | 4 830.00 |
| 12. Distributed profit | | 30.97 | 102.31 | 73.38 | 436.79 | 618.04 | 405.62 | 680.84 | 230.83 | 233.00 | 265.00 | 201.00 | 305.00 | 372.00 |
| 13. Retained profit | | 1 304.71 | 1 246.94 | 1 414.24 | 1 468.84 | 1 340.72 | 2 010.32 | 2 114.67 | 1 366.81 | 1 876.00 | 3 059.00 | 3 344.00 | 6 012.00 | 4 458.00 |
BALANCE SHEET | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| BALANCE SHEET | Assets | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Assets | 14. Cash and balance with Central bank | | 5 624.59 | 6 528.71 | 6 329.15 | 6 398.55 | 6 021.89 | 6 426.82 | 10 515.32 | 6 581.25 | 7 451.00 | 5 967.00 | 7 105.00 | 7 268.00 | 10 064.00 |
| 15. Interbank deposits | | 118 337.83 | 120 092.37 | 122 064.13 | 144 360.59 | 152 251.99 | 159 980.74 | 173 731.90 | 152 658.95 | 167 574.00 | 182 509.00 | 196 530.00 | 224 573.00 | 262 903.00 |
| 16. Loans | | 198 884.55 | 209 520.14 | 222 502.13 | 236 845.78 | 254 572.21 | 274 432.03 | 281 719.73 | 286 809.95 | 291 147.00 | 306 406.00 | 332 677.00 | 357 340.00 | 388 629.00 |
| 17. Securities | | 55 074.74 | 60 860.52 | 69 909.23 | 76 396.45 | 93 681.61 | 103 305.09 | 97 718.95 | 106 886.84 | 115 247.00 | 134 510.00 | 157 536.00 | 172 067.00 | 194 394.00 |
| 18. Other assets | | 12 961.64 | 14 647.43 | 13 567.07 | 14 797.28 | 16 786.84 | 18 079.04 | 19 747.90 | 19 409.18 | 22 065.00 | 20 291.00 | 24 299.00 | 26 164.00 | 30 072.00 |
Liabilities | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Liabilities | 19. Capital and reserves | | 18 155.13 | 17 825.99 | 19 566.22 | 22 679.96 | 24 133.99 | 24 893.50 | 27 604.05 | 27 601.36 | 30 586.00 | 33 326.00 | 36 670.00 | 45 686.00 | 59 522.00 |
| 20. Borrowing from Central bank | | 13.15 | 21.58 | 58.50 | 320.92 | 5 342.04 | 7 235.24 | 2 173.86 | 3 544.04 | 4 125.00 | 10 388.00 | 13 606.00 | 13 551.00 | 15 442.00 |
| 21. Interbank deposits | | 114 692.78 | 123 381.76 | 130 709.36 | 156 517.45 | 173 623.98 | 179 783.73 | 188 560.28 | 164 579.33 | 171 228.00 | 180 949.00 | 203 508.00 | 219 802.00 | 252 810.00 |
| 22. Customer deposits | | 171 801.05 | 177 751.28 | 182 510.56 | 191 952.72 | 198 216.39 | 207 340.90 | 218 860.64 | 220 398.90 | 230 738.00 | 240 783.00 | 252 519.00 | 271 333.00 | 304 884.00 |
| 23. Bonds | | 68 007.75 | 70 962.19 | 77 502.60 | 82 311.29 | 94 030.15 | 111 849.96 | 111 547.35 | 119 880.74 | 127 252.00 | 142 721.00 | 164 653.00 | 182 800.00 | 209 139.00 |
| 24. Other liabilities | | 18 213.56 | 21 706.36 | 24 024.48 | 25 016.32 | 27 968.00 | 31 120.40 | 34 687.62 | 36 341.53 | 39 555.00 | 41 516.00 | 47 191.00 | 54 240.00 | 44 265.00 |
| 25. End-year total | | 390 883.34 | 411 649.17 | 434 371.71 | 478 798.65 | 523 314.54 | 562 223.72 | 583 433.79 | 572 346.17 | 603 484.00 | 649 683.00 | 718 147.00 | 787 412.00 | 886 061.00 |
| 26. Average total |  | 379 389.48 | 400 086.63 | 427 690.89 | 465 438.11 | 507 526.87 | 553 795.85 | 562 476.11 | 575 667.03 | 590 691.00 | 629 963.00 | 689 295.00 | 754 181.00 | 841 503.00 |
MEMORANDUM ITEMS | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| MEMORANDUM ITEMS | Assets | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Assets | 27. Short-term securities | | 397.81 | 403.77 | 293.60 | 788.21 | 533.78 | 323.90 | 396.07 | 537.05 | 320.00 | 328.00 | 349.00 | .. | .. |
| 28. Bonds | | 39 750.37 | 44 043.23 | 49 003.87 | 50 760.09 | 60 349.70 | 67 885.08 | 59 167.24 | 66 343.03 | 71 314.00 | 85 427.00 | 101 771.00 | 110 848.00 | 116 549.00 |
| 29. Shares and participations | | 14 926.56 | 16 413.52 | 20 611.76 | 24 848.15 | 32 798.12 | 35 096.11 | 38 155.64 | 40 006.76 | 43 613.00 | 48 755.00 | 55 416.00 | 61 219.00 | 77 816.00 |
| 30. Claims on non-residents | | 82 112.89 | 91 006.59 | 104 924.02 | 111 351.79 | 132 693.18 | 159 830.67 | 156 424.21 | 156 056.70 | 175 198.00 | 200 134.00 | 245 637.00 | 291 444.00 | 350 729.00 |
Liabilities | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Liabilities | 31. Liabilities to non-residents | | 86 488.67 | 100 259.81 | 118 981.13 | 126 210.40 | 148 360.94 | 176 781.90 | 172 011.00 | 163 885.82 | 174 932.00 | 187 936.00 | 223 994.00 | 247 321.00 | 265 065.00 |
Capital adequacy | | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. | .. |
| Capital adequacy | 32. Tier 1 Capital | | 17 166.00 | 18 488.00 | 20 073.00 | 22 805.00 | 23 790.00 | 24 652.00 | 27 440.00 | 26 860.00 | 29 705.00 | 32 102.00 | 35 003.00 | 41 801.00 | 58 331.00 |
| 33. Tier 2 Capital | | 6 659.00 | 7 600.00 | 9 634.00 | 9 862.00 | 10 769.00 | 12 659.00 | 13 492.00 | 13 485.00 | 14 941.00 | 16 742.00 | 18 862.00 | 20 264.00 | 23 409.00 |
| 34. Supervisory deductions | | 916.00 | 888.00 | 907.00 | 1 252.00 | 1 621.00 | 1 453.00 | 1 368.00 | 1 113.00 | 1 106.00 | 1 712.00 | 2 048.00 | 2 594.00 | 3 119.00 |
| 35. Total regulatory capital | | 22 909.00 | 25 199.00 | 28 799.00 | 31 415.00 | 32 938.00 | 35 858.00 | 39 564.00 | 39 233.00 | 43 539.00 | 47 132.00 | 51 817.00 | 59 471.00 | 78 621.00 |
| 36. Risk-weighted assets |  | 173 374.00 | 182 972.00 | 197 643.00 | 209 509.00 | 225 893.00 | 240 599.00 | 260 778.00 | 262 341.00 | 270 159.00 | 285 892.00 | 317 139.00 | 350 760.00 | .. |
| 37. Number of institutions | | 1 041.00 | 1 019.00 | 995.00 | 971.00 | 951.00 | 923.00 | 907.00 | 897.00 | 896.00 | 883.00 | 880.00 | 871.00 | 870.00 |
| 38. Number of branches | | 4 686.00 | 4 694.00 | 4 691.00 | 4 576.00 | 4 576.00 | 4 556.00 | 4 546.00 | 4 471.00 | 4 401.00 | 4 359.00 | 4 317.00 | 4 279.00 | 4 286.00 |
| 39. Number of employees | | 71 000.00 | 71 403.00 | 70 966.00 | 68 497.00 | 69 707.00 | 69 457.00 | 69 630.00 | 69 547.00 | 67 075.00 | 65 369.00 | 65 425.00 | 66 507.00 | 68 219.00 |