Consolidated Income Statement

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In billions of Russian Roubles Note Year ended 31 December
2012 2011
Interest income 23 1,157.3 850.6
Interest expense 23 (428.6) (269.5)
Deposit insurance expenses 23 (23.9) (20.1)
Net interest income 704.8 561.0
(Net provision charge) / net recovery of provision for loan impairment 10 (21.5) 1.2
Net interest income after provision charge / recovery of provision for loan impairment 683.3 562.2
Fee and commission income 24 189.2 151.9
Fee and commission expense 24 (18.9) (11.2)
Net gains/(losses) arising from trading securities 3.2 (1.4)
Net losses arising from securities designated at fair value through profit or loss (0.7) (2.8)
Net gains arising from investment securities available for sale 7.5 12.1
Impairment of investment securities available for sale 12 (5.0) (1.1)
Net gains arising from trading in foreign currencies. operations with foreign currency derivatives and foreign exchange translation 25 19.6 9.5
Net gains arising from operations with precious metals and precious metals derivatives 5.8 5.1
Net gains arising from operations with other derivatives 4.2 5.0
Net losses from revaluation of office premises 14 (11.3)
Goodwill impairment 15 (1.7) (1.2)
Net provision charge for impairment of other assets 15 (4.1) (1.9)
Revenue of non-core business activities 26 51.2 66.1
Cost of sales of non-core business activities 26 (38.2) (54.6)
Other operating income 3.9 11.1
Operating income 899.3 737.5
Operating expenses 27 (451.4) (341.8)
Profit before tax 447.9 395.7
Income tax expense 28 (100.0) (79.8)
Profit for the reporting period 347.9 315.9
Attributable to:
  • shareholders of the Bank
348.8 316.2
  • non-controlling interest
(0.9) (0.3)
Earnings per ordinary share for profit attributable to the shareholders of the Bank, basic and diluted (expressed in RUB per share) 29 16.03 14.59

Approved for issue and signed on behalf of the Management Board on 27 March 2013.

Herman Gref signature

Herman Gref
Chairman of the Management Board and CEO

Andrey Kruzhalov signature

Andrey Kruzhalov
Chief Accountant

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