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Sushevskaya str., 16-3
127055 Moscow
Phone: 
(495) 363-56-27

Fax: (495) 978-26-10
Telex: 414297 SVAB RU
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Profit and loss statement

JSCB SVA (OJSC) STATEMENT OF INCOME
For the Year Ended 31 December 2003
(in thousands of Russian roubles)

  Note 2003 2002
(restated)
Interest income on loans and advances   651 014 483 949 
Interest income on securities   127 698  46 524
Interest expense on deposits   (288 723) (303 064)
Interest expense on securities   (299 341) (184 511)
Net interest income 20 190 648 42 898
Provision for impairment 8 (115 793) (64 826) 
Net interest income
income/(negative interest margin) after provision for loan impairment
  74 855    (21 928)
Gains less losses arising from trading securities   227 069 262 227
Gains less losses arising from investment securities available for sale 1 138 992 512 610
(losses less gains)/ gains less losses arising from trading in foreign currencies   (25 870) 16 963
Gains less losses arising from trading in precious metals   18 164 12 675
Foreign exchange translation losses less gains   (17 315) (23 418)
Fee end commission income 21 15 193 121 143
Fee end commission expense 21 (3 095) (179 935)
Gains on origination of assets at rates above market 8 1 613 28 014
Gains less losses /(losses less gains) on origination of liabilities at rater below/above market   238 (44 658)
 Dividends received   31 254 26 681
Recovery of provision/ (provision) for losses on credit related commitments 25 3 232 (184)
Other operating income     16 714 4 936
Operating income
Operating expenses Monetary loss
 22 1 481 044
(130 693)
715 126
(160 818)
(211 785)
Profit before taxation
Income tax expense
 23 1 350 351
(300 240)
342 523
(117 182)
Net profit    1 050 111 225 341

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Copyright © 2004 Commercial Bank “Severo-Vostochny Alliance” (Joint-Stock Company)
Sushevskaya str., 16-3, 127055 Moscow, phone: (495)972-33-00, (495)978-44-10, fax: (495)978-26-10