ASSETS

in thousands Rubles

1.

Funds & accounts at the Central Bank of Russia

15577

2.

Reserves at Central Bank of Russia

8675

3.

Assets at credit institutions excluding provisions (items 3.1.-3.2.)

29665

3.1.

Assets at credit institutions

29669

3.2.

Provision for possible losses

4

4.

Net investments in securities(items 4.1 – 4.2)

0

4.1.

Investments in securities

0

4.2.

Provision for possible devaluation of securities and losses

0

5.

Loan and-loan related indebtedness

94612

6.

Provisions for possible loan losses

1267

7.

Net loan debt (items 5 – 6)

93345

8.

Accrued charges (cum past due charges)

0

9.

Net investments in securities before redemption (items 9.1.-9.2.)

0

9.1.

Investments in securities before redemption

0

9.2.

Provision for possible losses

0

10.

Fixed assets & intangibles, economic materials & low-value & fast-wearing objects

17494

11.

Net investments in securities available for resale (units 11.1.- 11.2.)

224

11.1.

Securities available for resale

471

11.2.

Provision for possible devaluation of securities and losses

235

12.

Future expenses adjusted into accumulated interest income

1018

13.

Other assets excluding provisions (13.1.-13.2.)

210

13.1.

Other assets

211

13.2.

Provision for possible losses

1

14

Total assets: (items 1 + 2 + 3 + 4 + 7 + 8 + 9 + 10 + 11 + 12+13)

166208

LIABILITIES

15.

Deposits from the Central Bank of Russia

0

16.

Deposits from credit institutions

3

17

Clients' deposits

132156

17.1.

Including deposits of individuals

78736

18.

Future income on other operations

0

19.

lssued promissory notes

8150

20.

Other liabilities

380

21.

Provision for possible fixed term operations losses, off-balance liabilities and accuonts with debtors

in operations with residents of off-shore areas

642

22.

Total liabilities: (items 15 + 16 + 17 + 18 + 19 + 20 + 21 )

141331

EQUITY CAPITAL

23.

Statutory capital (shareholders' (participants') capital) (items 22.1 + 22.2 + 22.3)including:

23.1

Registered equity shares & contributions

6850

23.2

Registered preference shares

280

23.3

Non-registered capital of banks wich are not JSC

0

24.

Equity shares purchased from shareholders

0

25.

Emission income

0

26.

Capital & profit retained by a credit institution

7056

27.

Re-estimation of fixed assets

10341

28.

Profit (loss) of the period under review

2821

29.

Dividends out of the profit of the current year

0

30.

Distributed profit (except dividends)

367

31.

Retained profit (items 28 - 29 - 30)

2454

32.

Exenses & risks, affecting owned assets

2104

33.

Total equity capital (items 23 – 23.3 – 24 + 25 + 26 + 27 + 31 – 32 – for profitable credit unstitutions), (items 23 – 23.3 – 24 + 25 + 26 + 27 + 28 – 32 – for unprofitable credit unstitutions)

34.

Total liabilities: (items 22 + 23.3 + 33 )

166208

OFF- BALANCE LIABILITIES

35.

Credit institution's irrevocable liabilities

16763

36.

Guarantees, issued by credit institution

10