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        <h2><a href="/en/" title="Main page"">ANNUAL REPORT FOR 2012</a></h2>
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<h1>31. Segment Analysis</h1>
             
<p>For the purposes of management the Group is divided into operating segments of activity — central head office, 17 regional banks and subsidiaries — which are defined on the basis of organizational structure of the Group and geographical areas. The principal activity of all operating segments is banking operations. For the purposes of presentation in these consolidated financial statements the operating segments are aggregated in the following reportable segments:</p>
 		 
<h3>	 Moscow, including: </h3>
 
<ul> 				 
  <li>Central head office of the Group;</li>
 
  <li>Regional bank of Moscow;</li>
 
  <li>Subsidiaries of the Group located in the region.</li>
 </ul>
 
<h3> Central and Northern Regions of European part of Russia, including:</h3>
 			 
<ul> 
  <li>Regional banks:</li>
 				 
  <ul> 
    <li>Severny — Yaroslavl;</li>
   
    <li>Severo-Zapadny — St. Petersburg;</li>
   
    <li>Tsentralno-Chernozemny — Voronezh;</li>
   
    <li>Srednerussky — Moscow;</li>
   </ul>
 				 				 				 
  <li>Subsidiaries of the Group located in the region. </li>
 </ul>
 
<h3>Volga Region and South of European part of Russia, including:</h3>
 		 
<ul> 
  <li>Regional banks:</li>
 				 
  <ul> 
    <li>Volgo-Vyatsky — Nizhniy Novgorod;</li>
   
    <li>Povolzhsky — Samara;</li>
   
    <li>Severo-Kavkazsky — Stavropol;</li>
   
    <li>Yugo-Zapadny — Rostov-on-Don;</li>
   </ul>
 				 				 				 			 			 
  <li>Subsidiaries of the Group located in the region. </li>
 </ul>
 			 
<h3> Ural, Siberia and Far East of Russia, including:</h3>
 			 
<ul> 
  <li>Regional banks:</li>
 				 
  <ul> 
    <li>Zapadno-Uralsky — Perm;</li>
   
    <li>Uralsky — Ekaterinburg;</li>
   
    <li>Sibirsky — Novosibirsk;</li>
   
    <li>Zapadno-Sibirsky — Tumen;</li>
   
    <li>Severo-Vostochny — Magadan;</li>
   
    <li>Dalnevostochny — Khabarovsk,</li>
   
    <li>Vostochno-Sibirsky — Krasnoyarsk;</li>
   
    <li>Baikalsky — Irkutsk.</li>
   </ul>
 				 				 				 				 				 				 				 			 			 
  <li>Subsidiaries of the Group located in the region. </li>
 </ul>
 		 
<h3>	 Other countries, including: </h3>
 
<ul> 				 
  <li>Subsidiaries located in Turkey;</li>
 				 
  <li>Subsidiaries located in CIS (Ukraine, Kazakhstan, Belarus);</li>
 				 
  <li>Subsidiaries located in Austria and Switzerland;</li>
 				 
  <li>Subsidiaries of Sberbank Europe AG (former Volksbank International AG (“VBI”) located in Central and Eastern Europe;</li>
 				 
  <li>Companies of CJSC Sberbank CIB located in the USA, the United Kingdom, Cyprus and certain other jurisdictions;</li>
 				 
  <li>A branch office in India.</li>
 			</ul>
 			 
<p>The Management of the Group analyses operating results of every segment of activity for the purposes of making decision about allocation of resources and assessment of segments’ business results. The segments’ reporting and operating results which are provided to the Management of the Group for analysis are prepared under Russian accounting standards, except the segments’ reporting of the subsidiaries which is prepared under International Financial Reporting Standards.</p>
 			 
<p>Intersegment operations are performed on the basis of internal transfer pricing rates which are established, approved and regularly revised by the Management of the Group.</p>
 			 
<p>The subsidiaries’ activity is controlled by the Group integrally.</p>
 			 
<p>Segment reporting of the Group’s assets and liabilities as at 31 December 2012 is as follows:</p>
 			 
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  <table> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Moscow</th> <th>Central and Northern Regions of European part of Russia</th> <th>Volga Region and South of European part of Russia</th> <th>Ural, Siberia and Far East of Russia</th> <th>Other countries</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Total assets</td> <td>6,226.8</td> <td>2,299.7</td> <td>1,971.7</td> <td>2,694.2</td> <td>1,913.9</td> <td>15,106.3</td> 					</tr>
     					 
      <tr class="last"><td>Total liabilities</td> <td>5,651.6</td> <td>2,395.3</td> <td>1,725.9</td> <td>2,213.2</td> <td>1,497.8</td> <td>13,483.8</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_69').arcticmodal();"></div>
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<p>Segment reporting of the Group’s assets and liabilities as at 31 December 2011 is as follows:</p>
 			 
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  <table> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Moscow</th> <th>Central and Northern Regions of European part of Russia</th> <th>Volga Region and South of European part of Russia</th> <th>Ural, Siberia and Far East of Russia</th> <th>Other countries</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Total assets</td> <td>4,849.0</td> <td>1,877.8</td> <td>1,530.8</td> <td>2,110.4</td> <td>445.5</td> <td>10,813.5</td> 					</tr>
     					 
      <tr class="last"><td>Total liabilities</td> <td>3,825.7</td> <td>2,045.3</td> <td>1,434.0</td> <td>1,876.4</td> <td>349.5</td> <td>9,530.9</td> 					</tr>
     </tbody>
   </table>
 </div>
 
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<p>Reconciliation of total assets and total liabilities as per the reportable segments with the Group’s total assets and total liabilities under IFRS as of 31 December 2012 and 31 December 2011 is as follows:</p>
 			 
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  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th style="border-bottom-width: 0px; border-bottom-color: rgb(255, 255, 255);" class="nogreenmeplease">In billions of Russian Roubles </th> <th colspan="2">Total assets</th> <th colspan="2">Total liabilities</th> 					</tr>
     					 
      <tr> 		<th></th>				<th>2012</th> <th>2011</th> <th>2012</th> <th>2011</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Total amount per segment information</td> <td>15,106.3</td> <td>10,813.5</td> <td>13,483.8</td> <td>9,530.9</td> 					</tr>
     					 
      <tr><td>Adjustment of provisions</td> <td>96.4</td> <td>73.0</td> <td>(16.4)</td> <td>(17.2)</td> 					</tr>
     					 
      <tr><td>Additional interest accrued on loans</td> <td>4.6</td> <td>4.2</td> <td>0.1</td> <td>0.5</td> 					</tr>
     					 
      <tr><td>Deferred commission income on loans</td> <td>(23.7)</td> <td>(25.5)</td> <td>0.4</td> <td>0.7</td> 					</tr>
     					 
      <tr><td>Adjustment of depreciation and cost or revalued amount of premises and equipment including effect of deferred tax</td> <td>(57.1)</td> <td>(51.2)</td> <td>(2.0)</td> <td>3.4</td> 					</tr>
     					 
      <tr><td>Differencies arising on securities classification</td> <td>—</td><td>—</td><td>10.5</td> <td>(8.4)</td> 					</tr>
     					 
      <tr><td>Loaned repo securities</td> <td>(36.0)</td> <td>—</td><td>(36.0)</td> <td>—</td>					</tr>
     					 
      <tr><td>Accounting for derivatives at fair value</td> <td>2.4</td> <td>17.4</td> <td>(0.1)</td> <td>17.2</td> 					</tr>
     					 
      <tr><td>Staff expenses accrued related to the reporting period (bonuses, annual leave, pension liabilities)</td> <td>0.2</td> <td>0.2</td> <td>17.5</td> <td>13.8</td> 					</tr>
     					 
      <tr><td>Adjustment of income tax</td> <td>0.4</td> <td>—</td><td>7.8</td> <td>18.9</td> 					</tr>
     					 
      <tr><td>Deferred comission income on guarantees</td> <td>—</td><td>—</td><td>1.3</td> <td>1.3</td> 					</tr>
     					 
      <tr><td>Other adjustments</td> <td>3.9</td> <td>3.5</td> <td>6.7</td> <td>6.0</td> 					</tr>
     					 
      <tr class="last"><td>The Group’s total amount under IFRS</td> <td>15,097.4</td> <td>10,835.1</td> <td>13,473.6</td> <td>9,567.1</td> 					</tr>
     </tbody>
   </table>
 </div>
 
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<p>Segment reporting of the Group’s income and expenses for the year ended 31 December 2012 is as follows:</p>
 			 
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  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Moscow</th> <th>Central and Northern Regions of European part of Russia</th> <th>Volga Region and South of European part of Russia</th> <th>Ural, Siberia and Far East of Russia</th> <th>Other countries</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Interest income</td> <td>413.9</td> <td>207.1</td> <td>180.0</td> <td>256.3</td> <td>84.7</td> <td>1,142.0</td> 					</tr>
     					 
      <tr><td>Interest expense</td> <td>(198.6)</td> <td>(75.9)</td> <td>(53.0)</td> <td>(67.2)</td> <td>(34.0)</td> <td>(428.7)</td> 					</tr>
     					 
      <tr><td>Inter-segment (expense) / income</td> <td>(24.3)</td> <td>31.8</td> <td>1.1</td> <td>(8.6)</td> <td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Fee and commission income</td> <td>46.4</td> <td>42.2</td> <td>36.2</td> <td>52.3</td> <td>13.0</td> <td>190.1</td> 					</tr>
     					 
      <tr><td>Fee and commission expense</td> <td>(13.4)</td> <td>(0.4)</td> <td>(0.6)</td> <td>(0.7)</td> <td>(4.0)</td> <td>(19.1)</td> 					</tr>
     					 
      <tr><td>Net gains arising from securities</td> <td>5.2</td> <td>—</td><td>—</td><td>—</td><td>2.1</td> <td>7.3</td> 					</tr>
     					 
      <tr><td>Net gains arising from trading in foreign currencies, operations with foreign currency derivatives and foreign exchange translation </td> <td>8.7</td> <td>3.9</td> <td>2.6</td> <td>3.1</td> <td>5.6</td> <td>23.9</td> 					</tr>
     					 
      <tr><td>Net gains arising from operations with other derivatives</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>3.0</td> <td>3.0</td> 					</tr>
     					 
      <tr><td>Net gains/ (losses) arising from operations with precious metals</td> <td>0.7</td> <td>0.4</td> <td>0.4</td> <td>0.7</td> <td>(0.3)</td> <td>1.9</td> 					</tr>
     					 
      <tr><td>Revenue of non-core business activities</td> <td>15.3</td> <td>2.8</td> <td>14.2</td> <td>18.8</td> <td>0.1</td> <td>51.2</td> 					</tr>
     					 
      <tr><td>Cost of sales of non-core business activities</td> <td>(11.9)</td> <td>(2.1)</td> <td>(13.4)</td> <td>(10.6)</td> <td>(0.1)</td> <td>(38.1)</td> 					</tr>
     					 
      <tr><td>Other net operating gains/ (losses)</td> <td>10.6</td> <td>4.6</td> <td>1.6</td> <td>(1.1)</td> <td>(1.6)</td> <td>14.1</td> 					</tr>
     					 
      <tr class="last"><td>Operating income before provision charge for loan impairment</td> <td>252.6</td> <td>214.4</td> <td>169.1</td> <td>243.0</td> <td>68.5</td> <td>947.6</td> 					</tr>
     					 
      <tr><td>Net provision charge for loan impairment</td> <td>(0.2)</td> <td>(12.8)</td> <td>(16.4)</td> <td>(1.7)</td> <td>(21.1)</td> <td>(52.2)</td> 					</tr>
     					 
      <tr class="last"><td>Operating income</td> <td>252.4</td> <td>201.6</td> <td>152.7</td> <td>241.3</td> <td>47.4</td> <td>895.4</td> 					</tr>
     					 
      <tr><td>Operating expenses</td> <td>(136.2)</td> <td>(92.2)</td> <td>(76.4)</td> <td>(116.6)</td> <td>(40.1)</td> <td>(461.5)</td> 					</tr>
     					 
      <tr class="last"><td>Profit before tax (Segment result)</td> <td>116.2</td> <td>109.4</td> <td>76.3</td> <td>124.7</td> <td>7.3</td> <td>433.9</td> 					</tr>
     					 
      <tr class="odd"><td colspan="7">Other disclosures</td></tr>
     					 
      <tr><td>Capital expenditure incurred (additions of fixed assets)</td> <td>39.9</td> <td>27.5</td> <td>27.2</td> <td>48.5</td> <td>3.5</td> <td>146.6</td> 					</tr>
     					 
      <tr> 	<td>Depreciation of premises and equipment</td>					<td>(11.5)</td> <td>(7.1)</td> <td>(6.5)</td> <td>(13.1)</td> <td>(2.0)</td> <td>(40.2)</td> 					</tr>
     </tbody>
   </table>
 </div>
 
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<p>Segment reporting of the Group’s income and expenses for the year ended 31 December 2011 is as follows:</p>
 			 
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  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Moscow</th> <th>Central and Northern Regions of European part of Russia</th> <th>Volga Region and South of European part of Russia</th> <th>Ural, Siberia and Far East of Russia</th> <th>Other countries</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Interest income</td> <td>323.6</td> <td>160.2</td> <td>138.8</td> <td>186.2</td> <td>23.3</td> <td>832.1</td> 					</tr>
     					 
      <tr><td>Interest expense</td> <td>(113.6)</td> <td>(58.1)</td> <td>(40.3)</td> <td>(48.8)</td> <td>(8.6)</td> <td>(269.4)</td> 					</tr>
     					 
      <tr><td>Inter-segment (expense) / income</td> <td>(35.5)</td> <td>24.5</td> <td>5.8</td> <td>5.2</td> <td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Fee and commission income</td> <td>29.6</td> <td>39.4</td> <td>31.7</td> <td>45.0</td> <td>4.5</td> <td>150.2</td> 					</tr>
     					 
      <tr><td>Fee and commission expense</td> <td>(2.8)</td> <td>(2.2)</td> <td>(2.0)</td> <td>(3.4)</td> <td>(1.0)</td> <td>(11.4)</td> 					</tr>
     					 
      <tr><td>Net gains/ (losses) arising from securities</td> <td>7.5</td> <td>—</td><td>—</td><td>—</td><td>(0.1)</td> <td>7.4</td> 					</tr>
     					 
      <tr><td>Net gains arising from trading in foreign currencies, operations with foreign currency derivatives and foreign exchange translation </td> <td>12.6</td> <td>3.7</td> <td>2.3</td> <td>2.8</td> <td>2.2</td> <td>23.6</td> 					</tr>
     					 
      <tr><td>Net gains arising from operations with other derivatives</td> <td>0.7</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>0.7</td> 					</tr>
     					 
      <tr><td>Net gains/ (losses) arising from operations with precious metals</td> <td>3.1</td> <td>1.0</td> <td>0.9</td> <td>1.4</td> <td>(0.1)</td> <td>6.3</td> 					</tr>
     					 
      <tr><td>Revenue of non-core business activities</td> <td>26.1</td> <td>10.3</td> <td>21.2</td> <td>6.4</td> <td>2.1</td> <td>66.1</td> 					</tr>
     					 
      <tr><td>Cost of sales of non-core business activities</td> <td>(21.4)</td> <td>(8.2)</td> <td>(19.2)</td> <td>(4.2)</td> <td>(1.6)</td> <td>(54.6)</td> 					</tr>
     					 
      <tr><td>Other net operating gains/ (losses)</td> <td>9.6</td> <td>(4.2)</td> <td>(3.8)</td> <td>(4.4)</td> <td>0.7</td> <td>(2.1)</td> 					</tr>
     					 
      <tr class="last"><td>Operating income before recovery of provision / provision charge for loan impairment</td> <td>239.5</td> <td>166.4</td> <td>135.4</td> <td>186.2</td> <td>21.4</td> <td>748.9</td> 					</tr>
     					 
      <tr><td>Net recovery of provision/ (net provision charge) for loan impairment</td> <td>25.3</td> <td>(13.6)</td> <td>(8.5)</td> <td>7.6</td> <td>(3.7)</td> <td>7.1</td> 					</tr>
     					 
      <tr class="last"><td>Operating income</td> <td>264.8</td> <td>152.8</td> <td>126.9</td> <td>193.8</td> <td>17.7</td> <td>756.0</td> 					</tr>
     					 
      <tr><td>Operating expenses</td> <td>(92.2)</td> <td>(80.0)</td> <td>(69.1)</td> <td>(98.7)</td> <td>(8.5)</td> <td>(348.5)</td> 					</tr>
     					 
      <tr class="last"><td>Profit before tax (Segment result)</td> <td>172.6</td> <td>72.8</td> <td>57.8</td> <td>95.1</td> <td>9.2</td> <td>407.5</td> 					</tr>
     					 
      <tr class="odd"><td colspan="7">Other disclosures</td> </tr>
     					 
      <tr><td>Capital expenditure incurred (additions of fixed assets)</td> <td>19.7</td> <td>18.7</td> <td>17.1</td> <td>24.7</td> <td>2.6</td> <td>82.8</td> 					</tr>
     					 
      <tr> <td>Depreciation of premises and equipment</td> <td>(6.9)</td> <td>(6.2)</td> <td>(5.6)</td> <td>(7.9)</td> <td>(1.3)</td> <td>(27.9)</td> 					</tr>
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<p>Reconciliation of profit before tax, interest income and expense, fee and commission income, gains from operations with securities and gains from operations with foreign currencies for the reportable segments with the Group’s consolidated income statement items under IFRS for the year ended 31 December 2012 is as follows: </p>
 			 
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  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Profit before tax</th> <th>Interest income</th> <th>Interest expense</th> <th>Fee and commission income</th> <th>Net gains arising from operations with securities</th> <th>Net gains arising from trading in foreign currencies, operations with foreign currency derivatives and foreign exchange translation gains</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Total amount per reportable segment</td> <td>433.9</td> <td>1,142.0</td> <td>(428.7)</td> <td>190.1</td> <td>7.3</td> <td>23.9</td> 					</tr>
     					 
      <tr><td>Adjustment of provisions</td> <td>24.4</td> <td>(1.4)</td> <td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Staff expenses accrued for the year (bonuses, annual leave, pension liabilities)</td> <td>(5.1)</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Differences arising on reporting of fee and commission income and expense </td> <td>—</td><td>11.9</td> <td>—</td><td>(1.9)</td> <td>—</td><td>(4.5)</td> 					</tr>
     					 
      <tr><td>Differencies arising on securities classification</td> <td>6.1</td> <td>1.3</td> <td>—</td><td>—</td><td>(2.3)</td> <td>—</td>					</tr>
     					 
      <tr><td>Accounting for derivatives at fair value</td> <td>3.9</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>0.2</td> 					</tr>
     					 
      <tr><td>Additional interest accrued on loans</td> <td>0.5</td> <td>0.5</td> <td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Adjustment of depreciation and cost or revalued amount of premises and equipment</td> <td>(9.0)</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Adjustment of amortised cost and partial repurchase of other borrowed funds</td> <td>(1.4)</td> <td>—</td><td>(0.1)</td> <td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Other adjustments</td> <td>(5.4)</td> <td>3.0</td> <td>0.2</td> <td>1.0</td> <td>—</td><td>—</td>					</tr>
     					 
      <tr class="last"><td>The Group’s total amount under IFRS</td> <td>447.9</td> <td>1,157.3</td> <td>(428.6)</td> <td>189.2</td> <td>5.0</td> <td>19.6</td> 					</tr>
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<p>Reconciliation of profit before tax, interest income and expense, fee and commission income, gains from operations with securities and gains from operations with foreign currencies for the reportable segments with the Group’s consolidated income statement items under IFRS for the year ended 31 December 2011 is as follows: </p>
 			 
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  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Profit before tax </th> <th>Interest income</th> <th>Interest expense</th> <th>Fee and commission income</th> <th>Net gains arising from operations with securities</th> <th>Net gains arising from trading in foreign currencies, operations with foreign currency derivatives and foreign exchange translation gains </th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Total amount per reportable segment</td> <td>407.5</td> <td>832.0</td> <td>(269.4)</td> <td>150.3</td> <td>7.3</td> <td>23.7</td> 					</tr>
     					 
      <tr><td>Adjustment of provisions</td> <td>11.2</td> <td>(2.8)</td> <td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Staff expenses accrued for the year (bonuses, annual leave, pension liabilities)</td> <td>2.1</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Differences arising on reporting of fee and commission income and expense </td> <td>3.3</td> <td>18.5</td> <td>—</td><td>1.3</td> <td>—</td><td>(6.0)</td> 					</tr>
     					 
      <tr><td>Differences arising on securities classification</td> <td>1.0</td> <td>(0.3)</td> <td>—</td><td>—</td><td>1.4</td> <td>(0.1)</td> 					</tr>
     					 
      <tr><td>Accounting for derivatives at fair value</td> <td>(4.2)</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>(6.6)</td> 					</tr>
     					 
      <tr><td>Additional interest accrued on loans</td> <td>2.2</td> <td>2.2</td> <td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Adjustment of depreciation and cost or revalued amount of premises and equipment</td> <td>(19.2)</td> <td>—</td><td>—</td><td>—</td><td>—</td><td>—</td>					</tr>
     					 
      <tr><td>Adjustment of amortised cost and partial repurchase of other borrowed funds</td> <td>—</td><td>—</td><td>(0.1)</td> <td>—</td><td>(1.0)</td> <td>—</td>					</tr>
     					 
      <tr><td>Other adjustments</td> <td>(8.2)</td> <td>1.0</td> <td>—</td><td>0.3</td> <td>(0.9)</td> <td>(1.5)</td> 					</tr>
     					 
      <tr class="last"><td>The Group’s total amount under IFRS</td> <td>395.7</td> <td>850.6</td> <td>(269.5)</td> <td>151.9</td> <td>6.8</td> <td>9.5</td> 					</tr>
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<p>The differences shown above arise from classification variances as well as different accounting policies.</p>
 			 
<p>Adjustment of provisions is related to the difference between estimation methodology applied in statutory accounting records used as a basis for management reporting and estimation methodology according to IFRS.</p>
 			 
<p>Differences arising on securities’ classification relate to gains/(losses) on revaluation of securities designated at fair value through profit or loss in IFRS reporting but classified as available for sale in statutory accounting records used as a basis for management reporting.</p>
 			 
<p>For the year ended 31 December 2012 the Group’s revenues from customers in the Russian Federation amounted to 1,345.1 billion RUB (for the year ended 31 December 2011: 1,073.0 billion RUB); revenues from customers in all foreign countries from which the Group derives revenues amounted to 96.1 billion RUB (for the year ended 31 December 2011: 34.2 billion RUB). </p>
 			 
<p>As at 31 December 2012 the carrying value of premises and equipment located in the Russian Federation amounted to 413.5 billion RUB (2011: 350.7 billion RUB). Carrying value of premises and equipment of the Group located in foreign countries amounted to 22.5 billion RUB (2011: 9.2 billion RUB). </p>
 			 
<p>No revenue from transactions with a single external customer or counterparty amounted to 10% or more of the Group’s total revenue during the year ended 31 December 2012 and during the year ended 31 December 2011.</p>
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