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PROFIT AND LOSS ACCOUNT

RUB in thousands

  01.01.2013 01.04.2013 01.07.2013 01.10.2013 01.01.2014
Items
1. Interest income, including: 273 930 73 028 154 922 238 322 312 758
1.1. Due from other banks 46 446 11 267 17 747 24 275 30 828
1.2. Loans to customers 227 484 61 761 137 175 214 047 281 930
1.3. Financial lease 0 0 0 0 0
1.4. Investments in securities 0 0 0 0 0
2. Interest expenses, including: 92 858 22 801 42 237 64 291 84 464
2.1. Due to other banks 8 512 8 463 12 955 19 285 23 455
2.2. Customer accounts 84 346 14 338 29 282 45 006 61 009
2.3. Debt securities issued 0 0 0 0 0
3. Net interest income (expenses) 181 072 50 227 112 685 174 031 228 294
4. Changes in provision for impairment of loans to customers and due from other banks, including 8 870 2 375 7 758 13 032 1 956
4.1. Changes in provision for impairment of accrued interest income 2 424 -1 0 - 94 0
5. Net interest income/(expense) after provision for loan impairment 189 942 52 602 120 443 187 063 230 250
6. Gains less losses arising from transactions with securities at fair value through profit or loss 0 0 0 0 0
7. Gains less losses arising from transactions with securities avaliable for sale 0 0 0 0 0
8. Gains less losses arising from held-to-maturity investments 0 0 0 0 0
9. Gains less losses from dealing in foreign currency 24 194 14 798 39 013 37 634 56 675
10. Foreign exchange translation gains less losses 21 506 - 2 922 - 12 881 - 4 881 - 2 447
11. Dividends and other income from investments in companies 551 0 0 33 89
12. Fee and commission income 37 373 2 789 5 954 9 495 13 622
13. Fee and commission expense 3 593 538 1 470 2 677 3 856
14. Changes in provision for impairment of investments available for sale 0 0 0 0 0
15. Changes in provision for impairment of held-to-maturity investments 0 0 0 0 0
16. Changes in provision for impairment of other assets - 1 520 - 7 182 - 17 333 - 14 399 1 582
17. Other operating income 41 074 8 160 15 974 29 984 38 628
18. Net income (expenses) 309 527 67 707 149 700 242 252 334 543
19. Operating expenses 230 206 52 900 114 844 188 920 262 098
20. Profit (loss) before taxation 79 321 14 807 34 856 53 332 72 445
21. Accrued (paid) tax 29 181 5 553 15 896 23 170 28 096
22. Profit (loss) after taxation 50 140 9 254 18 960 30 162 44 349
23. Profit payments after taxation, totally, including: 0 0 0 0 0
23.1. Distribution of dividends among shareholders (shareout) 0 0 0 0 0
23.2. Profit allocation for replenishment of reserve fund 0 0 0 0 0
24. Retained profit (loss) for the accounting period 50 140 9 254 18 960 30 162 44 349

 

Deputy Chairman of JSC Bank "Zarechye" Odintsova E.I.
Chief Accountant Arkhipovich N.N.

 

 

PROFIT AND LOSS ACCOUNT
for the years 2008, 2009, 2010, and 2011

RUB in thousands

  01.01.2009 01.01.2010 01.01.2011 01.01.2012
Items
1. Interest income, including: 129 365 219 372 195 842 237 497
1.1. Due from other banks 13 131 46 070 30 979 53 077
1.2. Loans to customers 116 504 173 302 164 863 184 420
1.3. Financial lease 0 0 0 0
1.4. Investments in securities 0 0 0 0
2. Interest expenses, including: 41 116 62 991 49 114 63 378
2.1. Due to other banks 9 931 729 386 4 364
2.2. Customer accounts 31 182 62 262 48 232 58 755
2.3. Debt securities issued 3 0 496 259
3. Net interest income (expenses) 88 519 156 381 146 728 174 119
4. Changes in provision for impairment of loans to customers and due from other banks, including 73 297 46 946 39 807 - 2 006
4.1. Changes in provision for impairment of accrued interest income - 51 - 364 - 1 305 - 706
5. Net interest income/(expense) after provision for loan impairment 161 816 203 327 186 535 172 113
6. Gains less losses arising from transactions with securities at fair value through profit or loss 0 - 15 0 0
7. Gains less losses arising from transactions with securities avaliable for sale - 2 0 0 0
8. Gains less losses arising from held-to-maturity investments 0 0 0 0
9. Gains less losses from dealing in foreign currency 12 860 30 019 46 063 50 501
10. Foreign exchange translation gains less losses - 3 456 - 15 365 - 4 726 552
11. Dividends and other income from investments in companies 0 172 0 0
12. Fee and commission income 10 702 4 814 11 275 17 960
13. Fee and commission expense 1 453 2 129 2 136 2 289
14. Changes in provision for impairment of investments available for sale 0 0 0 0
15. Changes in provision for impairment of held-to-maturity investments 0 0 0 0
16. Changes in provision for impairment of other assets 26 616 - 1 288 1 337 - 3 522
17. Other operating income 23 396 25 287 32 228 54 348
18. Net income (expenses) 230 479 244 822 270 576 289 663
19. Operating expenses 178 508 160 704 174 215 224 543
20. Profit (loss) before taxation 51 971 84 118 96 361 65 120
21. Accrued (paid) tax 23 944 23 282 34 154 20 114
22. Profit (loss) after taxation 28 027 60 836 62 207 45 006
23. Profit payments after taxation, totally, including: 0 0 0 0
23.1. Distribution of dividends among shareholders (shareout) 0 0 0 0
23.2. Profit allocation for replenishment of reserve fund 0 0 0 0
24. Retained profit (loss) for the accounting period 28 027 60 836 62 207 45 006

 

President of JSC Bank "Zarechye" Devyatykh N.V.
Chief Accountant Tychkina O.I.

 

 

PROFIT AND LOSS ACCOUNT
for the year 2007

RUB in thousands

      01.01.2008
Interest received and equivalent income earned from
1. Loans and advances to, and placements with, banks     62 968
2. Loans and advances to customers     105 381
3. Assets in leasing     0
4. Securities with fixed interest rate     1 432
5. Other income     2 697
6. Total interest and equivalent income earned     172 478
 
Interest paid and equivalent expenses incurred in
7. Loans and deposits from other banks     376
8. Loans and deposits from customers     51 095
9. Debt securities issued     0
10. Total interest paid and equivalent expenses incurred     51 471
11. Net interest and equivalent income     121 007
12. Net income on operations with securities     35 125
13. Net income on operations with foreign exchange     4 281
14. Net income on operations with precious metals and other financial instruments     512
15. Net income on foreign exchange revaluation     110
16. Commission earned     27 083
17. Commission spent     1 058
18. Net income on non-recurring operations     12 980
19. Other net operating income     -4 024
20. Management personnel expenses     105 851
21. Provision for possible losses     16 046
22. Profit before tax     106 211
23. Accrued tax (including profit tax)     34 264
24. Profit for the accounting period     71 947

 

 

President of JSC Bank "Zarechye" Devyatykh N.V.
Chief Accountant Tychkina O.I.
PROFIT AND LOSS ACCOUNT
for the years 2005 and 2006

RUB in thousands

  2005 2006
Interest received and equivalent income earned from
1. Loans and advances to, and placements with, banks 7 273 22 177
2. Loans and advances to customers 82 454 94 111
3. Assets in leasing 0 0
4. Securities with fixed interest rate 3 581 3 341
5. Other income 4 971 3 827
6. Total interest and equivalent income earned 98 279 123 456
 
Interest paid and equivalent expenses incurred in
7. Loans and deposits from other banks 4 233 5 309
8. Loans and deposits from customers 21 659 30 354
9. Debt securities issued 0 0
10. Total interest paid and equivalent expenses incurred 25 892 35 663
11. Net interest and equivalent income 72 387 87 793
12. Net income on operations with securities 370 499 -708
13. Net income on operations with foreign exchange 4 318 8 724
14. Net income on operations with precious metals and other financial instruments 225 330
15. Net income on foreign exchange revaluation 3 289 -11 885
16. Commission earned 20 978 25 223
17. Commission spent 565 1 739
18. Net income on non-recurring operations 2 437 49
19. Other net operating income -13 898 -21 644
20. Management personnel expenses 58 220 92 840
21. Provision for possible losses -317 617 82 584
22. Profit before tax 83 833 75 887
23. Accrued tax (including profit tax) 34 488 28 672
24. Profit for the accounting period 49 345 47 215

 

 

President of JSC Bank "Zarechye" Devyatykh N.V.
Chief Accountant Tychkina O.I.

 

 

PROFIT AND LOSS ACCOUNT
for the years 2002, 2003 and 2004

RUB in thousands

  2002 2003 2004
Interest and equivalent income earned from
1. Loans and advances to, and deposits and accounts with other banks 4 850 39 960 4 630
2. Loans and advances to other customers 74 310 96 880 79 233
3. Assets on lease 0 0 0
4. Fixed-yield securities 3 450 1 235 2 722
5. Other sources 3 413 3 365 4 480
6. Total interest and equivalent income earned (p.1+p.2+p.3+p.4+p.5) 86 023 141 440 91 065
 
Interest paid and equivalent expenses incurred in
7. Borrowings from other banks, including loans and deposits 9 650 3 764 2 231
8. Borrowings from other customers, including loans and deposits 32 723 57 112 29 527
9. Debt securities issued 6 446 3 737 163
10. Rent 3 471 5 755 3 965
11. Total interest paid and equivalent expenses incurred (p.7+p.8+p.9+p.10) 52 290 70 368 35 886
12. Net interest and equivalent income (p.6-p.11) 33 733 71 072 55 179
13. Commission earned 18 834 19 393 18 199
14. Commission spent 741 627 663
15. Net commission income(p.13-p.14) 18 093 18 766 17 536
 
Other operating income
16. Income derived from transactions with foreign exchange and other foreign exchange valuables, including exchange rate differentials 6 605 91 423 60 575
17. Income from purchase and sale of precious metals, securities and other assets, and surpluses from the revaluation of precious metals, securities and other assets 9 430 63 490 53 052
18. Income earned as dividends 885 387 14
19. Other current income 1 044 1 805 1 886
20. Total other operating income (p.16+p.17+p.18+p.19) 17 964 157 105 115 527
21. Current income (p.12+p.15+p.20) 69 790 246 943 188 242
 
Other operating expenses
22. Payroll-related expenses 20 342 26 328 29 315
23. Maintenance costs 13 909 21 474 16 800
24. Expenses incurred in transactions with foreign exchange and other foreign exchange valuables, including exchange rate differentials 467 93 502 61 117
25. Expenses incurred in purchase and sale of precious metals, securities and other assets, and shotfalls from the revaluation of precious metals and securities 6 092 53 217 4 498
26. Other current expenses 10 443 10 959 9 097
27. Total other operating expenses (p.22+p.23+p.24+p.25+p.26) 51 253 205 480 120 827
28. Net current income prior to the allocation of provisions and net of windfall revenue/losses (p.21-p.27) 18 537 41 463 67 415
29. Changes in provision for possible loan losses 7 437 448 4 402
30. Changes in provision for depreciation of market value of securities -6 860 -214 0
31. Changes in other provisions 897 -182 0
32. Net current income net of windfall revenue/losses (p.28-p.29-p.30-p.31) 17 063 41 411 63 013
33. Windfall revenue less windfall losses 0 0 0
34. Net current income including windfall revenue/losses (p.32+p.33) 17 063 41 411 63 013
35. Profit tax 2 414 6 871 0
36. Deferred profit tax 0 0 0
36a. After-tax windfall losses 0 0 0
37. Profit/loss for the accounting period (p.34-p.35-p.36-p.36a) 17 063 41 411 63 013

 

President of JSC Bank "Zarechye" Devyatikh N.V.
Chief Accountant Tychkina O.I.

 

Контакты Contacts

Address: Russia, Republic of Tatarstan,
420032 Kazan, 2 Luknitskogo Str.
Phone: +7(843) 557-59-03, 557-59-65
Fax: +7(843) 557-59-75, 557-59-65
Telex: 224643 LADA RU
SWIFT: ZAJCRU2K

© Bank Zarechye (Joint Stock Company)