
<!DOCTYPE html>
<html lang="ru">
<head>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8">
    <meta name="cmsmagazine" content="c0682e81673de35e28ccf0d6793eb59b" />
    <script src="/bitrix/templates/sberbank/js/jquery-1.7.2.min.js"></script>
    <script src="/bitrix/templates/sberbank/js/slides.min.jquery.js"></script>
    <script src="/bitrix/templates/sberbank/js/main.js"></script>
    <script src="/bitrix/templates/sberbank/js/modal/jquery.arcticmodal-0.3.min.js"></script>
    <script src="/bitrix/templates/sberbank/js/tooltip/js/jquery.tooltipster.min.js"></script>
    <!--<script type="text/javascript" src="/bitrix/templates/sberbank/js/lightbox/js/jquery-ui-1.8.2.custom.min.js"></script>-->
<script type="text/javascript" src="/bitrix/templates/sberbank/js/int-an/jquery-ui.js"></script>   
    <script type="text/javascript" src="/bitrix/templates/sberbank/js/lightbox/js/pirobox_extended.js"></script>    
    <link rel="icon" href="/favicon.ico" type="image/x-icon">
    <link rel="stylesheet" type="text/css" href="/bitrix/templates/sberbank/js/lightbox/css_pirobox/style_1/style.css"/>
    <link rel="shortcut icon" href="/favicon.ico" type="image/x-icon">
    <link rel="stylesheet" href="/bitrix/templates/sberbank/js/modal/jquery.arcticmodal-0.3.css">
    <link rel="stylesheet" href="/bitrix/templates/sberbank/js/tooltip/css/tooltipster.css">
    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
<meta name="description" content="10. Loans and Advances to Customers" />
<link href="/bitrix/js/main/core/css/core.css?1369986666" type="text/css" rel="stylesheet" />
<link href="/bitrix/components/zebra/tools.panel/templates/.default/style.css?1369986654" type="text/css" rel="stylesheet" />
<link href="/bitrix/components/zebra/social.share/templates/.default/style.css?1369986654" type="text/css" rel="stylesheet" />
<link href="/bitrix/templates/sberbank/components/bitrix/main.feedback/feedback/style.css?1369986656" type="text/css" rel="stylesheet" />
<link href="/bitrix/components/bitrix/form.result.new/templates/.default/style.css?1369986626" type="text/css" rel="stylesheet" />
<link href="/bitrix/templates/sberbank/styles.css?1376998738" type="text/css" rel="stylesheet" />
<link href="/bitrix/templates/sberbank/template_styles.css?1383855678" type="text/css" rel="stylesheet" />

<script type="text/javascript" src="/bitrix/js/main/core/core.js?1369986666"></script>
<script type="text/javascript">(window.BX||top.BX).message({'LANGUAGE_ID':'en','FORMAT_DATE':'DD.MM.YYYY','FORMAT_DATETIME':'DD.MM.YYYY HH:MI:SS','COOKIE_PREFIX':'BITRIX_SM','USER_ID':'','SERVER_TIME':'1480314629','SERVER_TZ_OFFSET':'10800','USER_TZ_OFFSET':'0','USER_TZ_AUTO':'Y','bitrix_sessid':'8c86b5e20ab30656fbbfe55067983262','SITE_ID':'en'});(window.BX||top.BX).message({'JS_CORE_LOADING':'Loading...','JS_CORE_WINDOW_CLOSE':'Close','JS_CORE_WINDOW_EXPAND':'Expand','JS_CORE_WINDOW_NARROW':'Restore','JS_CORE_WINDOW_SAVE':'Save','JS_CORE_WINDOW_CANCEL':'Cancel','JS_CORE_H':'h','JS_CORE_M':'m','JS_CORE_S':'s','JS_CORE_NO_DATA':'- No data -','JSADM_AI_HIDE_EXTRA':'Hide extra items','JSADM_AI_ALL_NOTIF':'All notifications','JSADM_AUTH_REQ':'Authentication is required!','JS_CORE_WINDOW_AUTH':'Log In','JS_CORE_IMAGE_FULL':'Full size'});</script>
<script type="text/javascript" src="/bitrix/js/main/core/core_ajax.js?1369986666"></script>
<script type="text/javascript" src="/bitrix/js/main/session.js?1369986667"></script>
<script type="text/javascript">
bxSession.Expand(1440, '8c86b5e20ab30656fbbfe55067983262', false, '832c06da24eb39194d550584b994e64f');
</script>
<script type="text/javascript" src="/bitrix/components/zebra/tools.panel/templates/.default/script.js?1369986654"></script>
    <link rel="stylesheet" href="/bitrix/templates/sberbank/jquery-ui.css">
    <link href="/bitrix/templates/sberbank/inter.css" type="text/css" rel="stylesheet" />
                <link media="print" type="text/css" rel="stylesheet" href="/bitrix/templates/sberbank/for_print.css">
    
    <title>10. Loans and Advances to Customers</title>
</head>

<body id="" class="work">
<div id="wrap">
	  <!--[if lt IE 9]>
            <a class=browsehappy href="http://browsehappy.com/" target=_blank><img src="/img/sbr_banner_ENG.png"></a>
    <![endif]-->
    <div id="header"><div class="unbgh"><img src="/bitrix/templates/sberbank/images/printhead.jpg"></div>
        <a id="logo" href="/en/" title="Main page"><img src="/bitrix/templates/sberbank/images/en/logo.png"/></a>
        <h2><a href="/en/" title="Main page"">ANNUAL REPORT FOR 2012</a></h2>
                                <span id="en">ENG</span>
                                <a id="ru" title="По-русски" href="/fr/ifrs/notes-to-consolidated-financial-statements/10.php" title="РУС">РУС</a>
                    <a id="question" href="/en/question/"></a>
        <a id="mail" href="/en/feedback/"></a>

<a title="FR" href="/en/fr/" class="sub-idx herenow">FR</a>
<a title="CSR" href="/en/sr/" class="sub-idx">CSR</a>
<a title="MR" href="/en/ar/" class="sub-idx">MR</a>

                            <form  id="search-box" action="/en/search/index.php">
	<input id="search" type="text" onfocus="if (value == 'Search on site') {value =''}"
           onblur="if (value == '') {value = 'Search on site'}" value="Search on site" name="q" maxlength="50"/>
    <input name="s" type="submit" id="search-bt" value="" />
</form>
                </div><!-- header -->
        <ul id="submenu" class="hidden widex2">

		<li ><a href="/en/fr/ifrs/independent-auditors-report/" class="tm-ey">Independent auditors’ report</a></li>
		<li class="set"><a href="/en/fr/ifrs/" class="tm-wrd">Consolidated Financial Statement</a></li>

</ul>
            <div id="content-box">

                        <div id="cont-left">
                <div id="menu-box">
    <h4>Section contents:</h4>
    <ul id="menu">


	
								<li><a href="/en/fr/ifrs/independent-auditors-report/" >Independent auditors’ report</a></li>
			
	
	

	
								<li><a href="/en/fr/ifrs/consolidated-statement-of-financial-position/" >Consolidated Statement of Financial Position</a></li>
			
	
	

	
								<li><a href="/en/fr/ifrs/consolidated-income-statement/" >Consolidated Income Statement</a></li>
			
	
	

	
								<li><a href="/en/fr/ifrs/consolidated-statement-of-comprehensive-income/" >Consolidated Statement of Comprehensive Income</a></li>
			
	
	

	
								<li><a href="/en/fr/ifrs/consolidated-statement-of-changes-in-equity/" >Consolidated Statement of Changes in Equity</a></li>
			
	
	

	
								<li><a href="/en/fr/ifrs/consolidated-statement-of-cash-flows/" >Consolidated Statement <br>of Cash Flows</a></li>
			
	
	

	
								<li><a href="/en/fr/ifrs/notes-to-consolidated-financial-statements/"  class="setfirstlevel">Notes to consolidated financial statements</a></li>
			
	
	

                </ul>
    </div><!--menu-box-->


            <div id="mats">
                                    <h4>Materials:</h4>
                    <ul>
                        <!--li><a href="#" class="mat-lux">Популярные страницы</a></li-->
                        <li><a href="/upload/Annual Report_eng_2012.pdf" class="mat-pdf" target=_blank>Annual Report</a></li>
                        <li><a href="/upload/Social Report_eng_2012.pdf" class="mat-pdf" target=_blank>Social Report</a></li>
                        <li><a href="/upload/Financial Report_eng_2012.pdf" class="mat-pdf" target=_blank>Financial Report PDF</a></li>
                        <!--li><a href="#" class="mat-excel">Financial Report XLS</a></li-->
                        <!--li><a href="#" class="mat-off">Off-line version</a></li-->
                        <li><a href="/en/download/" class="mat-dir">Download center</a></li>
                    </ul>
                            </div>
                    </div>
        
        <div id="content" >
<a href="./"><div class="back_button">Back to list</div></a>
<h1>10. Loans and Advances to Customers</h1>
             
<p> For the purposes of these consolidated financial statements a loan is considered past due when the borrower fails to make any payment due under the loan agreement at the reporting date. In this case the aggregate amount of all amounts due from borrower under the respective loan agreement including accrued interest and commissions is recognised as past due.</p>
 			 
<p><b>31 December 2012:</b></p>
 			 
<div class="box-modal" id="table_17"> 
  <div class="box-modal_close arcticmodal-close">close</div>
		 
  <table> 				 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Not past due loans</th> <th>Past due loans</th> <th>Total </th> 					</tr>
     </thead> 				 
    <tbody> 					 
      <tr><td>Commercial loans to legal entities</td> <td>5,033.7</td> <td>247.8</td> <td>5,281.5</td> 					</tr>
     					 
      <tr><td>Specialised loans to legal entities</td> <td>2,836.0</td> <td>110.3</td> <td>2,946.3</td> 					</tr>
     					 
      <tr><td>Сonsumer and other loans to individuals</td> <td>1,472.6</td> <td>97.1</td> <td>1,569.7</td> 					</tr>
     					 
      <tr><td>Mortgage loans to individuals</td> <td>1,094.6</td> <td>48.8</td> <td>1,143.4</td> 					</tr>
     					 
      <tr><td>Car loans to individuals</td> <td>118.2</td> <td>5.2</td> <td>123.4</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to customers before provision for loan impairment</td> <td>10,555.1</td> <td>509.2</td> <td>11,064.3</td> 					</tr>
     					 
      <tr><td>Less: Provision for loan impairment</td> <td>(237.1)</td> <td>(327.9)</td> <td>(565.0)</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to customers net of provision for loan impairment</td> <td>10,318.0</td> <td>181.3</td> <td>10,499.3</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_17').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p><b>31 December 2011</b>:</p>
 			 
<div class="box-modal" id="table_18"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Not past due loans</th> <th>Past due loans</th> <th>Total </th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Commercial loans to legal entities</td> <td>3,828.8</td> <td>184.1</td> <td>4,012.9</td> 					</tr>
     					 
      <tr><td>Specialised loans to legal entities</td> <td>2,347.9</td> <td>215.8</td> <td>2,563.7</td> 					</tr>
     					 
      <tr><td>Сonsumer and other loans to individuals</td> <td>898.7</td> <td>45.3</td> <td>944.0</td> 					</tr>
     					 
      <tr><td>Mortgage loans to individuals</td> <td>741.6</td> <td>35.8</td> <td>777.4</td> 					</tr>
     					 
      <tr><td>Car loans to individuals</td> <td>80.7</td> <td>3.5</td> <td>84.2</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to customers before provision for loan impairment</td> <td>7,897.7</td> <td>484.5</td> <td>8,382.2</td> 					</tr>
     					 
      <tr><td>Less: Provision for loan impairment</td> <td>(281.6)</td> <td>(380.9)</td> <td>(662.5)</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to customers net of provision for loan impairment</td> <td>7,616.1</td> <td>103.6</td> <td>7,719.7</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_18').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>Commercial lending to legal entities comprises corporate loans, loans to individual entrepreneurs, federal bodies and municipal authorities of the Russian Federation. Loans are granted for current needs (working capital financing, acquisition of movable and immovable property, portfolio investments, expansion and consolidation of business, etc.). Majority of commercial loans are provided for periods up to 5 years depending on the borrowers’ risk assessment. Commercial lending also includes overdraft lending and lending for export-import transactions. The repayment source is cash flow from current production and financial activities of the borrower. </p>
 			 
<p>Specialised lending to legal entities includes investment and construction project financing and also developers’ financing. As a rule, loan terms are linked to payback periods of investment and construction projects, contract execution periods and exceed the terms of commercial loans to legal entities. The principal and interest may be repaid from cash flows generated by the investment project at the stage of its commercial operation. </p>
 			 
<p>Consumer and other individual loans comprise loans to individuals other than housing acquisition, construction and repair of real estate as well as car loans. These loans include loans for current needs and overdrafts. </p>
 			 
<p>Mortgage loans to individuals include loans for acquisition, construction and reconstruction of real estate. These loans are mostly long-term and are collateralized by real estate.</p>
 			 
<p>Car loans to individuals include loans for purchasing a car or other vehicle. Car loans are provided for periods of up to 5 years.</p>
 			 
<p>The table below shows the analysis of loans and provisions for loan impairment as at 31 December 2012:</p>
 			 
<div class="box-modal" id="table_19"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Gross loans</th> <th>Provision for impairment</th> <th>Net loans</th> <th>Provision for impairment to gross loans </th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="odd"><td colspan="5">Commercial loans to legal entities</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> 		</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>4,972.5</td> <td>(105.9)</td> <td>4,866.6</td> <td>2.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>29.3</td> <td>(3.5)</td> <td>25.8</td> <td>11.9%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>11.0</td> <td>(3.1)</td> <td>7.9</td> <td>28.2%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>6.6</td> <td>(2.3)</td> <td>4.3</td> <td>34.8%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>14.9</td> <td>(8.2)</td> <td>6.7</td> <td>55.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>133.2</td> <td>(121.8)</td> <td>11.4</td> <td>91.4%</td> 					</tr>
     					 
      <tr class="last"><td>Total collectively assessed loans</td> <td>5,167.5</td> <td>(244.8)</td> <td>4 ,922.7</td> <td>4.7%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Individually impaired</td> 	</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>61.2</td> <td>(26.1)</td> <td>35.1</td> <td>42.6%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>5.0</td> <td>(2.5)</td> <td>2.5</td> <td>50.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>4.0</td> <td>(2.6)</td> <td>1.4</td> <td>65.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>1.5</td> <td>(0.5)</td> <td>1.0</td> <td>33.3%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>1.5</td> <td>(0.1)</td> <td>1.4</td> <td>6.7%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>40.8</td> <td>(33.3)</td> <td>7.5</td> <td>81.6%</td> 					</tr>
     					 
      <tr class="last"><td>Total individually impaired loans</td> <td>114.0</td> <td>(65.1)</td> <td>48.9</td> <td>57.1%</td> 					</tr>
     					 
      <tr class="last"><td>Total commercial loans to legal entities</td> <td>5,281.5</td> <td>(309.9)</td> <td>4,971.6</td> <td>5.9%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Specialised loans to legal entities</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> 				</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>2,772.8</td> <td>(76.1)</td> <td>2 696.7</td> <td>2.7%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>12.3</td> <td>(1.4)</td> <td>10.9</td> <td>11.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>2.2</td> <td>(0.4)</td> <td>1.8</td> <td>18.2%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>1.4</td> <td>(0.7)</td> <td>0.7</td> <td>50.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>3.4</td> <td>(2.2)</td> <td>1.2</td> <td>64.7%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>43.7</td> <td>(39.6)</td> <td>4.1</td> <td>90.6%</td> 					</tr>
     					 
      <tr class="last"><td>Total collectively assessed loans</td> <td>2,835.8</td> <td>(120.4)</td> <td>2,715.4</td> <td>4.2%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Individually impaired</td> 	</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>63.2</td> <td>(26.1)</td> <td>37.1</td> <td>41.3%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>5.8</td> <td>(0.5)</td> <td>5.3</td> <td>8.6%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>1.9</td> <td>(1.5)</td> <td>0.4</td> <td>78.9%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>3.5</td> <td>(2.5)</td> <td>1.0</td> <td>71.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>2.9</td> <td>(1.4)</td> <td>1.5</td> <td>48.3%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>33.2</td> <td>(28.2)</td> <td>5.0</td> <td>84.9%</td> 					</tr>
     					 
      <tr class="last"><td>Total individually impaired loans</td> <td>110.5</td> <td>(60.2)</td> <td>50.3</td> <td>54.5%</td> 					</tr>
     					 
      <tr class="last"><td>Total specialised loans to legal entities</td> <td>2,946.3</td> <td>(180.6)</td> <td>2,765.7</td> <td>6.1%</td> 					</tr>
     					 
      <tr class="last"><td>Total loans to legal entities</td> <td>8,227.8</td> <td>(490.5)</td> <td>7, 737.3</td> <td>6.0%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Consumer and other loans to individuals</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed 					</td></tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>1,472.6</td> <td>(2.0)</td> <td>1,470.6</td> <td>0.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>35.1</td> <td>(2.1)</td> <td>33.0</td> <td>6.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>9.7</td> <td>(1.9)</td> <td>7.8</td> <td>19.6%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>6.4</td> <td>(2.1)</td> <td>4.3</td> <td>32.8%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>11.2</td> <td>(7.0)</td> <td>4.2</td> <td>62.5%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>34.7</td> <td>(30.4)</td> <td>4.3</td> <td>87.6%</td> 					</tr>
     					 
      <tr class="last"><td>Total consumer and other loans to individuals</td> <td>1,569.7</td> <td>(45.5)</td> <td>1,524.2</td> <td>2.9%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Mortgage loans to individuals</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed			</td></tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>1,094.6</td> <td>(0.8)</td> <td>1,093.8</td> <td>0.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>13.6</td> <td>(0.5)</td> <td>13.1</td> <td>3.7%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>3.8</td> <td>(0.4)</td> <td>3.4</td> <td>10.5%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>2.4</td> <td>(0.4)</td> <td>2.0</td> <td>16.7%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>2.9</td> <td>(1.0)</td> <td>1.9</td> <td>34.5%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>26.1</td> <td>(23.4)</td> <td>2.7</td> <td>89.7%</td> 					</tr>
     					 
      <tr class="last"><td>Total mortgage loans to individuals</td> <td>1,143.4</td> <td>(26.5)</td> <td>1,116.9</td> <td>2.3%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Car loans to individuals</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed					</td></tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>118.2</td> <td>(0.1)</td> <td>118.1</td> <td>0.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>2.0</td> <td>(0.1)</td> <td>1.9</td> <td>5.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>0.4</td> <td>(0.1)</td> <td>0.3</td> <td>25.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>0.3</td> <td>(0.1)</td> <td>0.2</td> <td>33.3%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>0.4</td> <td>(0.2)</td> <td>0.2</td> <td>50.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>2.1</td> <td>(1.9)</td> <td>0.2</td> <td>90.5%</td> 					</tr>
     					 
      <tr class="last"><td>Total car loans to individuals</td> <td>123.4</td> <td>(2.5)</td> <td>120.9</td> <td>2.0%</td> 					</tr>
     					 
      <tr class="last"><td>Total loans to individuals</td> <td>2,836.5</td> <td>(74.5)</td> <td>2,762.0</td> <td>2.6%</td> 					</tr>
     					 
      <tr class="last"> <td>TOTAL LOANS AND ADVANCES TO CUSTOMERS AS AT 31 DECEMBER 2012</td> <td>11,064.3</td> <td>(565.0)</td> <td>10,499.3</td> <td>5.1%</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_19').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The table below shows the analysis of loans and provisions for loan impairment as at 31 December 2011:</p>
 			 
<div class="box-modal" id="table_20"> 
  <div class="box-modal_close arcticmodal-close">close</div>
                
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Gross loans</th> <th>Provision for impairment</th> <th>Net loans</th> <th>Provision for impairment to gross loans </th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="odd"><td colspan="5">Commercial loans to legal entities</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>3,795.5</td> <td>(117.4)</td> <td>3,678.1</td> <td>3.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>11.3</td> <td>(3.1)</td> <td>8.2</td> <td>27.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>4.7</td> <td>(2.2)</td> <td>2.5</td> <td>46.8%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>3.4</td> <td>(1.8)</td> <td>1.6</td> <td>52.9%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>7.4</td> <td>(4.8)</td> <td>2.6</td> <td>64.9%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>115.6</td> <td>(111.8)</td> <td>3.8</td> <td>96.7%</td> 					</tr>
     					 
      <tr class="last"><td>Total collectively assessed loans</td> <td>3,937.9</td> <td>(241.1)</td> <td>3,696.8</td> <td>6.1%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Individually impaired</td> 		</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>33.3</td> <td>(22.3)</td> <td>11.0</td> <td>67.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>7.0</td> <td>(7.0)</td> <td>—</td><td>100.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>0.5</td> <td>(0.2)</td> <td>0.3</td> <td>40.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>4.1</td> <td>(0.3)</td> <td>3.8</td> <td>7.3%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>0.1</td> <td>—</td><td>0.1</td> <td>—</td>					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>30.0</td> <td>(28.7)</td> <td>1.3</td> <td>95.7%</td> 					</tr>
     					 
      <tr class="last"><td>Total individually impaired loans</td> <td>75.0</td> <td>(58.5)</td> <td>16.5</td> <td>78.0%</td> 					</tr>
     					 
      <tr class="last"><td>Total commercial loans to legal entities</td> <td>4,012.9</td> <td>(299.6)</td> <td>3,713.3</td> <td>7.5%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Specialised loans to legal entities</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> </tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>2,276.1</td> <td>(86.7)</td> <td>2 189.4</td> <td>3.8%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>5.2</td> <td>(0.8)</td> <td>4.4</td> <td>15.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>3.3</td> <td>(1.2)</td> <td>2.1</td> <td>36.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>1.6</td> <td>(0.7)</td> <td>0.9</td> <td>43.8%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>2.1</td> <td>(1.3)</td> <td>0.8</td> <td>61.9%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>59.3</td> <td>(52.8)</td> <td>6.5</td> <td>89.0%</td> 					</tr>
     					 
      <tr class="last"><td>Total collectively assessed loans</td> <td>2,347.6</td> <td>(143.5)</td> <td>2,204.1</td> <td>6.1%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Individually impaired</td> 			</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>71.8</td> <td>(38.7)</td> <td>33.1</td> <td>53.9%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>4.0</td> <td>(2.8)</td> <td>1.2</td> <td>70.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>2.2</td> <td>(1.6)</td> <td>0.6</td> <td>72.7%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>0.4</td> <td>(0.3)</td> <td>0.1</td> <td>75.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>137.7</td> <td>(106.8)</td> <td>30.9</td> <td>77.6%</td> 					</tr>
     					 
      <tr class="last"><td>Total individually impaired loans</td> <td>216.1</td> <td>(150.2)</td> <td>65.9</td> <td>69.5%</td> 					</tr>
     					 
      <tr class="last"><td>Total specialised loans to legal entities</td> <td>2,563.7</td> <td>(293.7)</td> <td>2,270.0</td> <td>11.5%</td> 					</tr>
     					 
      <tr class="last"><td>Total loans to legal entities</td> <td>6,576.6</td> <td>(593.3)</td> <td>5,983.3</td> <td>9.0%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Consumer and other loans to individuals</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>898.7</td> <td>(10.9)</td> <td>887.8</td> <td>1.2%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>12.5</td> <td>(0.2)</td> <td>12.3</td> <td>1.6%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>3.1</td> <td>(0.2)</td> <td>2.9</td> <td>6.5%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>1.7</td> <td>(0.2)</td> <td>1.5</td> <td>11.8%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>2.8</td> <td>(0.6)</td> <td>2.2</td> <td>21.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>25.2</td> <td>(25.2)</td> <td>—</td><td>100.0%</td> 					</tr>
     					 
      <tr class="last"><td>Total consumer and other loans to individuals</td> <td>944.0</td> <td>(37.3)</td> <td>906.7</td> <td>4.0%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Mortgage loans to individuals</td> 		</tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> 				</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>741.6</td> <td>(4.6)</td> <td>737.0</td> <td>0.6%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>8.2</td> <td>(0.2)</td> <td>8.0</td> <td>2.4%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>2.0</td> <td>(0.2)</td> <td>1.8</td> <td>10.0%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>0.9</td> <td>(0.1)</td> <td>0.8</td> <td>11.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>1.3</td> <td>(0.3)</td> <td>1.0</td> <td>23.1%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>23.4</td> <td>(23.4)</td> <td>—</td><td>100.0%</td> 					</tr>
     					 
      <tr class="last"><td>Total mortgage loans to individuals</td> <td>777.4</td> <td>(28.8)</td> <td>748.6</td> <td>3.7%</td> 					</tr>
     					 
      <tr class="odd"><td colspan="5">Car loans to individuals</td></tr>
     					 
      <tr class="odd"><td colspan="5">Collectively assessed</td> </tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Not past due</li>
           	</ul>
         </td> <td>80.7</td> <td>(1.0)</td> <td>79.7</td> <td>1.2%</td> 					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans up to 30 days overdue</li>
           	</ul>
         </td> <td>1.0</td> <td>—</td><td>1.0</td> <td>—</td>					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 31 to 60 days overdue</li>
           	</ul>
         </td> <td>0.2</td> <td>—</td><td>0.2</td> <td>—</td>					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 61 to 90 days overdue</li>
           	</ul>
         </td> <td>0.1</td> <td>—</td><td>0.1</td> <td>—</td>					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans 91 to 180 days overdue</li>
           	</ul>
         </td> <td>0.1</td> <td>—</td><td>0.1</td> <td>—</td>					</tr>
     					 
      <tr><td> 	 
          <ul> 		 
            <li>Loans over 180 days overdue</li>
           	</ul>
         </td> <td>2.1</td> <td>(2.1)</td> <td>—</td><td>100.0%</td> 					</tr>
     					 
      <tr class="last"><td>Total car loans to individuals</td> <td>84.2</td> <td>(3.1)</td> <td>81.1</td> <td>3.7%</td> 					</tr>
     					 
      <tr class="last"><td>Total loans to individuals</td> <td>1,805.6</td> <td>(69.2)</td> <td>1,736.4</td> <td>3.8%</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to customers as at 31 December 2011</td> <td>8,382.2</td> <td>(662.5)</td> <td>7,719.7</td> <td>7.9%</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_20').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The table below shows the credit quality analysis of the Group’s not past due collectively assessed loans before provision for loan impairment as at 31 December 2012: </p>
 			 
<div class="box-modal" id="table_21"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>1 group</th> <th>2 group</th> <th>3 group</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Commercial loans to legal entities</td> <td>522.7</td> <td>2,620.7</td> <td>1,829.1</td> <td>4,972.5</td> 					</tr>
     					 
      <tr><td>Specialised loans to legal entities</td> <td>151.3</td> <td>1,336.7</td> <td>1,284.8</td> <td>2,772.8</td> 					</tr>
     					 
      <tr><td>Сonsumer and other loans to individuals</td> <td>36.8</td> <td>1,405.8</td> <td>30.0</td> <td>1,472.6</td> 					</tr>
     					 
      <tr><td>Mortgage loans to individuals</td> <td>43.2</td> <td>1,036.4</td> <td>15.0</td> <td>1,094.6</td> 					</tr>
     					 
      <tr><td>Car loans to individuals</td> <td>2.5</td> <td>113.6</td> <td>2.1</td> <td>118.2</td> 					</tr>
     					 
      <tr class="last"><td>Total</td> <td>756.5</td> <td>513.2</td> <td>3,161.0</td> <td>10,430.7</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_21').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The table below shows the credit quality analysis of the Group’s not past due collectively assessed loans before provision for loan impairment as at 31 December 2011:</p>
 			 
<div class="box-modal" id="table_22"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>1 group</th> <th>2 group</th> <th>3 group</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Commercial loans to legal entities</td> <td>159.1</td> <td>2,125.2</td> <td>1,511.2</td> <td>3,795.5</td> 					</tr>
     					 
      <tr><td>Specialised loans to legal entities</td> <td>98.6</td> <td>1,141.7</td> <td>1,035.8</td> <td>2,276.1</td> 					</tr>
     					 
      <tr><td>Сonsumer and other loans to individuals</td> <td>5.6</td> <td>892.6</td> <td>0.5</td> <td>898.7</td> 					</tr>
     					 
      <tr><td>Mortgage loans to individuals</td> <td>5.0</td> <td>735.4</td> <td>1.2</td> <td>741.6</td> 					</tr>
     					 
      <tr><td>Car loans to individuals</td> <td>0.5</td> <td>80.1</td> <td>0.1</td> <td>80.7</td> 					</tr>
     					 
      <tr class="last"><td>Total</td> <td>268.8</td> <td>4,975.0</td> <td>2,548.8</td> <td>7,792.6</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_22').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>For the purpose of these consolidated financial statements, all not past due collectively assessed loans to legal entities are classified in three quality groups presented in the tables above with group 1 loans being of the highest quality. The <nobr>1-st</nobr> group includes borrowers with sound level of liquidity and profitability as well as high capital adequacy ratio. The probability of breach of loan agreement terms is assessed as low. The <nobr>2-nd</nobr> group includes borrowers with average level of liquidity and profitability as well as average capital adequacy ratio. The probability of breach of loan agreement terms is assessed as moderate. The <nobr>3-rd</nobr> group includes borrowers with satisfactory level of liquidity and profitability as well as moderate capital adequacy ratio. The probability of breach of loan agreement terms is assessed as above moderate.</p>
 			 
<p>For the purpose of these consolidated financial statements, all not past due loans to individuals are combined into three groups presented in the tables above. The <nobr>1-st</nobr> group of these loans to individuals is represented by loans with good debt servicing and excellent financial position of a borrower. The <nobr>2-nd</nobr> group is represented by loans with good/average debt servicing and excellent/moderate financial position of a borrower. The <nobr>3-rd</nobr> group is represented by loans with average debt servicing and moderate financial position of a borrower.</p>
 			 
<p>As defined by the Group for the purposes of internal credit risk assessment, loans fall into the “non-performing” category when a principal and/or interest payment becomes more than 90 days overdue. </p>
 			 
<p>As at 31 December 2012 the outstanding non-performing loans were as follows:</p>
 			 
<div class="box-modal" id="table_23"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Gross loans</th> <th>Provision for impairment</th> <th>Net loans</th> <th>Provision for impairment to gross loans </th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Commercial loans to legal entities</td> <td>190.4</td> <td>(163.4)</td> <td>27.0</td> <td>85.8%</td> 					</tr>
     					 
      <tr><td>Specialised loans to legal entities</td> <td>83.2</td> <td>(71.4)</td> <td>11.8</td> <td>85.8%</td> 					</tr>
     					 
      <tr><td>Сonsumer and other loans to individuals</td> <td>45.9</td> <td>(37.4)</td> <td>8.5</td> <td>81.5%</td> 					</tr>
     					 
      <tr><td>Mortgage loans to individuals</td> <td>29.0</td> <td>(24.4)</td> <td>4.6</td> <td>84.1%</td> 					</tr>
     					 
      <tr><td>Car loans to individuals</td> <td>2.5</td> <td>(2.1)</td> <td>0.4</td> <td>84.0%</td> 					</tr>
     					 
      <tr> <td>Total non-performing loans and advances to customers as at 31 December 2012</td> <td>351.0</td> <td>(298.7)</td> <td>52.3</td> <td>85.1%</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_23').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>As at 31 December 2011 the outstanding non-performing loans were as follows: </p>
 			 
<div class="box-modal" id="table_24"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Gross loans</th> <th>Provision for impairment</th> <th>Net loans</th> <th>Provision for impairment to gross loans</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Commercial loans to legal entities</td> <td>153.1</td> <td>(145.3)</td> <td>7.8</td> <td>94.9%</td> 					</tr>
     					 
      <tr><td>Specialised loans to legal entities</td> <td>199.5</td> <td>(161.2)</td> <td>38.3</td> <td>80.8%</td> 					</tr>
     					 
      <tr><td>Сonsumer and other loans to individuals</td> <td>28.0</td> <td>(25.8)</td> <td>2.2</td> <td>92.1%</td> 					</tr>
     					 
      <tr><td>Mortgage loans to individuals</td> <td>24.7</td> <td>(23.7)</td> <td>1.0</td> <td>96.0%</td> 					</tr>
     					 
      <tr><td>Car loans to individuals</td> <td>2.2</td> <td>(2.1)</td> <td>0.1</td> <td>95.5%</td> 					</tr>
     					 
      <tr class="last"><td>Total non-performing loans and advances to customers as at 31 December 2011</td> <td>407.5</td> <td>(358.1)</td> <td>49.4</td> <td>87.9%</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_24').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>Provisions for loan impairment. The analysis of changes in provisions for loan impairment for the year ended 31 December 2012 is presented in the table below:</p>
 			 
<div class="box-modal" id="table_25"> 
  <div class="box-modal_close arcticmodal-close">close</div>
     
  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Commercial loans to legal entities</th> <th>Specialised loans to legal entities</th> <th>Сonsumer and other loans to individuals</th> <th>Mortgage loans to individuals</th> <th>Car loans to individuals</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Provision for loan impairment as at 1 January 2012</td> <td>299.6</td> <td>293.7</td> <td>37.3</td> <td>28.8</td> <td>3.1</td> <td>662.5</td> 					</tr>
     					 
      <tr><td>Net provision charge/ (net recovery of provision) for loan impairment during the reporting period</td> <td>41.2</td> <td>(29.9)</td> <td>11.2</td> <td>(0.8)</td> <td>(0.2)</td> <td>21.5</td> 					</tr>
     					 
      <tr><td>Foreign currencies translation</td> <td>—</td><td>(0.2)</td> <td>—</td><td>(0.2)</td> <td>—</td><td>(0.4)</td> 					</tr>
     					 
      <tr><td>Loans and advances written off during the reporting period</td> <td>(30.9)</td> <td>(83.0)</td> <td>(3.0)</td> <td>(1.3)</td> <td>(0.4)</td> <td>(118.6)</td> 					</tr>
     					 
      <tr class="last"><td>Provision for loan impairment as at 31 December 2012</td> <td>309.9</td> <td>180.6</td> <td>45.5</td> <td>26.5</td> <td>2.5</td> <td>565.0</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_25').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The analysis of changes in provisions for loan impairment for the year ended 31 December 2011 is presented in the table below:</p>
 			 
<div class="box-modal" id="table_26"> 
  <div class="box-modal_close arcticmodal-close">close</div>
   
  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Commercial loans to legal entities</th> <th>Specialised loans to legal entities</th> <th>Сonsumer and other loans to individuals</th> <th>Mortgage loans to individuals</th> <th>Car loans to individuals</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="last"><td>Provision for loan impairment as at 1 January 2011</td> <td>312.9</td> <td>320.8</td> <td>36.1</td> <td>29.3</td> <td>3.4</td> <td>702.5</td> 					</tr>
     					 
      <tr><td>Net provision charge/ (net recovery of provision) for loan impairment during the reporting period</td> <td>10.7</td> <td>(15.7)</td> <td>3.0</td> <td>1.1</td> <td>(0.3)</td> <td>(1.2)</td> 					</tr>
     					 
      <tr><td>Foreign currencies translation</td> <td>(0.5)</td> <td>(1.1)</td> <td>(0.2)</td> <td>—</td><td>0.1</td> <td>(1.7)</td> 					</tr>
     					 
      <tr><td>Loans and advances written off during the reporting period</td> <td>(23.5)</td> <td>(10.3)</td> <td>(1.6)</td> <td>(1.6)</td> <td>(0.1)</td> <td>(37.1)</td> 					</tr>
     					 
      <tr class="last"><td>Provision for loan impairment as at 31 December 2011</td> <td>299.6</td> <td>293.7</td> <td>37.3</td> <td>28.8</td> <td>3.1</td> <td>662.5</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_26').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>Renegotiated loans. Information on loans whose terms have been renegotiated, as at 31 December 2012 and 31 December 2011 is presented in the table below. It shows the amount for renegotiated loans before provision for loan impairment by class. </p>
 			 
<div class="box-modal" id="table_27"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table class="bigtable2"> 				 					 					 					 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Commercial loans to legal entities</th> <th>Specialised loans to legal entities</th> <th>Сonsumer and other loans to individuals</th> <th>Mortgage loans to individuals</th> <th>Car loans to individuals</th> <th>Total</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr class="odd"><td colspan="7">31 December 2012:</td> 	</tr>
     					 
      <tr><td>Not past due collectively assessed loans</td> <td>477.2</td> <td>379.8</td> <td>3.0</td> <td>8.2</td> <td>0.5</td> <td>868.7</td> 					</tr>
     					 
      <tr><td>Other renegotiated loans</td> <td>90.4</td> <td>37.1</td> <td>2.0</td> <td>6.4</td> <td>0.6</td> <td>136.5</td> 					</tr>
     					 
      <tr class="last"><td>Total renegotiated loans before provision for loan impairment </td> <td>567.6</td> <td>416.9</td> <td>5.0</td> <td>14.6</td> <td>1.1</td> <td>1,005.2</td> 					</tr>
     					 
      <tr class="odd"><td colspan="7">31 December 2011:</td> </tr>
     					 
      <tr><td>Not past due collectively assessed loans</td> <td>552.0</td> <td>329.5</td> <td>7.0</td> <td>5.4</td> <td>0.5</td> <td>894.4</td> 					</tr>
     					 
      <tr><td>Other renegotiated loans</td> <td>85.1</td> <td>42.1</td> <td>3.3</td> <td>6.0</td> <td>0.7</td> <td>137.2</td> 					</tr>
     					 
      <tr class="last"><td>Total renegotiated loans before provision for loan impairment</td> <td>637.1</td> <td>371.6</td> <td>10.3</td> <td>11.4</td> <td>1.2</td> <td>1,031.6</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_27').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>Disclosure of corporate loans before provision for loan impairment by business size of borrowers. Sberbank Group members apply its own management policies in allocating corporate borrowers according to business size. </p>
 			 
<div class="box-modal" id="table_28"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>2012</th> <th>2011</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Major clients</td> <td>4,164.6</td> <td>3,557.0</td> 					</tr>
     					 
      <tr><td>Large clients</td> <td>1,964.4</td> <td>1,439.3</td> 					</tr>
     					 
      <tr><td>Medium business</td> <td>1,379.5</td> <td>1,099.2</td> 					</tr>
     					 
      <tr><td>Small business</td> <td>719.3</td> <td>481.1</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to legal entities before provision for loan impairment</td> <td>8,227.8</td> <td>6,576.6</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_28').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>Investments in finance lease. Included in specialised loans to legal entities are net investments in finance lease. The analysis of net investments in finance lease as at 31 December 2012 and as at 31 December 2011 is as follows:</p>
 			 
<div class="box-modal" id="table_29"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>2012</th> <th>2011</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Gross investment in finance lease</td> <td>152.4</td> <td>134.9</td> 					</tr>
     					 
      <tr><td>Unearned future finance income on finance lease</td> <td>(46.5)</td> <td>(46.6)</td> 					</tr>
     					 
      <tr class="last"><td>Net investment in finance lease before provision for impairment </td> <td>105.9</td> <td>88.3</td> 					</tr>
     					 
      <tr><td>Less provision for impairment</td> <td>(3.3)</td> <td>(2.3)</td> 					</tr>
     					 
      <tr class="last"><td>Net investment in finance lease after provision for impairment</td> <td>102.6</td> <td>86.0</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_29').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The contractual maturity analysis of net investments in finance lease as at 31 December 2012 is as follows:</p>
 			 
<div class="box-modal" id="table_30"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Net investment in finance lease before provision for impairment</th> <th>Provision for impairment </th> <th>Net investment in finance lease after provision for impairment</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Not later than 1 year</td> <td>31.3</td> <td>(1.4)</td> <td>29.9</td> 					</tr>
     					 
      <tr><td>Later than 1 year but not later than 5 years</td> <td>62.8</td> <td>(1.6)</td> <td>61.2</td> 					</tr>
     					 
      <tr><td>Later than 5 years</td> <td>11.8</td> <td>(0.3)</td> <td>11.5</td> 					</tr>
     					 
      <tr class="last"><td>Total as at 31 December 2012</td> <td>105.9</td> <td>(3.3)</td> <td>102.6</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_30').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The contractual maturity analysis of net investments in finance lease as at 31 December 2011 is as follows:</p>
 			 
<div class="box-modal" id="table_31"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>Net investment in finance lease before provision for impairment</th> <th>Provision for impairment </th> <th>Net investment in finance lease after provision for impairment</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Not later than 1 year</td> <td>26.6</td> <td>(0.7)</td> <td>25.9</td> 					</tr>
     					 
      <tr><td>Later than 1 year but not later than 5 years</td> <td>48.9</td> <td>(1.3)</td> <td>47.6</td> 					</tr>
     					 
      <tr><td>Later than 5 years</td> <td>12.8</td> <td>(0.3)</td> <td>12.5</td> 					</tr>
     					 
      <tr class="last"><td>Total as at 31 December 2011</td> <td>88.3</td> <td>(2.3)</td> <td>86.0</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_31').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>The analysis of minimal finance lease receivables as at 31 December 2012 and as at 31 December 2011 per contractual maturity is as follows:</p>
 			 
<div class="box-modal" id="table_32"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 				 				<thead> 					 
      <tr> <th class="nogreenmeplease">In billions of Russian Roubles</th> <th>2012</th> <th>2011</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Not later than 1 year</td> <td>34.5</td> <td>28.5</td> 					</tr>
     					 
      <tr><td>Later than 1 year but not later than 5 years</td> <td>88.9</td> <td>72.0</td> 					</tr>
     					 
      <tr><td>Later than 5 years</td> <td>29.0</td> <td>34.4</td> 					</tr>
     					 
      <tr class="last"><td>Total</td> <td>152.4</td> <td>134.9</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_32').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<h3>Economic sector risk concentration</h3>
 
<p>Economic sector risk concentrations within the customer loan portfolio as at 31 December 2012 and as at 31 December 2011 are as follows:</p>
 			 
<div class="box-modal" id="table_33"> 
  <div class="box-modal_close arcticmodal-close">close</div>
 
  <table> 				 					 					 					 					 					 				 				<thead> 					 
      <tr> <th style="border-bottom:0px;" class="nogreenmeplease">In billions of Russian Roubles</th> <th colspan="2">2012</th> <th colspan="2">2011</th> 					</tr>
     					 
      <tr> <th></th><th>Amount</th> <th>%</th> <th>Amount</th> <th>%</th> 					</tr>
     				</thead> 				 
    <tbody> 					 
      <tr><td>Individuals</td> <td>2,836.5</td> <td>25.6</td> <td>1,805.6</td> <td>21.5</td> 					</tr>
     					 
      <tr><td>Services</td> <td>1,962.5</td> <td>17.7</td> <td>1,658.5</td> <td>19.8</td> 					</tr>
     					 
      <tr><td>Trade</td> <td>1,304.3</td> <td>11.8</td> <td>1,134.8</td> <td>13.5</td> 					</tr>
     					 
      <tr><td>Food and agriculture</td> <td>862.4</td> <td>7.8</td> <td>703.9</td> <td>8.4</td> 					</tr>
     					 
      <tr><td>Machine building</td> <td>528.6</td> <td>4.8</td> <td>355.6</td> <td>4.2</td> 					</tr>
     					 
      <tr><td>Energy</td> <td>512.2</td> <td>4.6</td> <td>379.9</td> <td>4.5</td> 					</tr>
     					 
      <tr><td>Telecommunications</td> <td>489.2</td> <td>4.4</td> <td>332.0</td> <td>4.0</td> 					</tr>
     					 
      <tr><td>Metallurgy</td> <td>410.6</td> <td>3.7</td> <td>299.4</td> <td>3.6</td> 					</tr>
     					 
      <tr><td>Construction</td> <td>402.7</td> <td>3.6</td> <td>451.3</td> <td>5.4</td> 					</tr>
     					 
      <tr><td>Transport, aviation, space industry</td> <td>387.0</td> <td>3.5</td> <td>285.4</td> <td>3.4</td> 					</tr>
     					 
      <tr><td>Chemical industry</td> <td>378.2</td> <td>3.4</td> <td>340.2</td> <td>4.1</td> 					</tr>
     					 
      <tr><td>Government and municipal bodies</td> <td>370.4</td> <td>3.3</td> <td>268.1</td> <td>3.2</td> 					</tr>
     					 
      <tr><td>Oil and gas</td> <td>162.2</td> <td>1.5</td> <td>164.7</td> <td>2.0</td> 					</tr>
     					 
      <tr><td>Timber industry</td> <td>72.3</td> <td>0.7</td> <td>50.4</td> <td>0.6</td> 					</tr>
     					 
      <tr><td>Other</td> <td>385.2</td> <td>3.6</td> <td>152.4</td> <td>1.8</td> 					</tr>
     					 
      <tr class="last"><td>Total loans and advances to customers before provision for loan impairment</td> <td>11,064.3</td> <td>100.0</td> <td>8,382.2</td> <td>100.0</td> 					</tr>
     </tbody>
   </table>
 </div>
 
<div class="undertable"> 
  <div class="tablezoom" title="Zoom" onclick="jQuery('#table_33').arcticmodal();"></div>
 <a class="downxls" title="Save as XLS" ></a></div>
 			 			 
<p>“Services” category includes financial, insurance and other service companies, as well as loans granted to holding and multi-industry companies. </p>
 			 
<p>Refer to   for the information on amounts in loans and advances to customers which are collateralised by securities received under reverse sale and repurchase agreements. </p>
 			 
<p>As at 31 December 2012 the Group had 20 largest corporate borrowers with aggregated loan amounts due from each of these borrowers exceeding 59.1 billion RUB (2011: 20 largest borrowers with loan amounts due from each of these borrowers exceeding 47.9 billion RUB). The total aggregate amount of these loans was 2,140.3 billion RUB or 19.3% of the total gross loan portfolio of the Group (2011: 1,956.2 billion RUB or 23.3%).</p>
 			 
<p>Interest income accrued on loans, for which individual impairment has been recognised, for the year ended 31 December 2012, comprised 7.3 billion RUB (2011: 8.9 billion RUB).</p>
 			 
<p>For the year ended 31 December 2012 in interest income on loans and advances to customers in the consolidated income statement are included fines and penalties received from borrowers in the amount of 6.3 billion RUB (2011: 8.7 billion RUB). </p>
 			 
<p>The estimated fair value of loans and advances to customers is disclosed in <a href="35.php" target="_blank" >Note 35</a>. Currency and maturity analyses of loans and advances to customers are disclosed in <a href="32.php" target="_blank" >Note 32</a>. The information on related party balances is disclosed in <a href="37.php" target="_blank" >37</a> and <a href="38.php" target="_blank" >38</a>.</p>
             <a href="./">
            <div class="back_button back_button_bottom">Back to list</div>
        </a>
        </div><!--content-->
    <a id="gotop" href="#">Top of page</a>
            <div id="cont-right">
    <h4>Tools:</h4>
    <div id="right-menu" class="clearfix">
        <a class="rm-down" title="Download center" href="/en/download/"></a>

                                    <a href="#"  title="Add to My Report" class="rm-bookplus" id="add_to_report" rel="0"></a>
                        <a id="counter" title="My Report" class="rm-bookstar"  href="/en/personal/my_report/"> <span
                    id="to_count_report">0</span>
            </a>
                                <a class="rm-print" title="Print this Page" onclick="window.print();return false;" href="/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php?print=Y" target="_blank"></a>
                            <a class="rm-pdf" title="Download in PDF" href="/upload/pdf/en_fr_ifrs_notes-to-consolidated-financial-statements_10.php.pdf"></a>
                        <div id="share">
            <a class="rm-share" href="#" title="Share"></a>
                    <ul style="width:225px">
                    <li><a href="http://www.facebook.com/sharer/sharer.php?u=http://2012.report-sberbank.ru/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php&t=10. Loans and Advances to Customers"  style="background-image: url(/upload/iblock/c53/fb.png); background-position: 0 0; background-repeat: no-repeat; display: block; height: 40px; line-height: 40px;"  title="Facebook" onclick="javascript:window.open(this.href, '', 'menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=300, width=626');return false;" target="_blank"></a></li>
                    <li><a href="http://twitter.com/home/?status=http://2012.report-sberbank.ru/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php+10. Loans and Advances to Customers"  style="background-image: url(/upload/iblock/ce5/tw.png); background-position: 0 0; background-repeat: no-repeat; display: block; height: 40px; line-height: 40px;"  title="Twitter" onclick="javascript:window.open(this.href, '', 'menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=300, width=626');return false;" target="_blank"></a></li>
                    <li><a href="https://plus.google.com/share?url=http://2012.report-sberbank.ru/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php"  style="background-image: url(/upload/iblock/968/g2.png); background-position: 0 0; background-repeat: no-repeat; display: block; height: 40px; line-height: 40px;"  title="Google Plus" onclick="javascript:window.open(this.href, '', 'menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=300, width=626');return false;" target="_blank"></a></li>
                    <li><a href="http://vkontakte.ru/share.php?url=http://2012.report-sberbank.ru/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php"  style="background-image: url(/upload/iblock/069/vk2.png); background-position: 0 0; background-repeat: no-repeat; display: block; height: 40px; line-height: 40px;"  title="VK" onclick="javascript:window.open(this.href, '', 'menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=300, width=626');return false;" target="_blank"></a></li>
                        <li><a href="#" title="Send to e-mail" class="email"></a></li>
</ul>
        </div>
                <!--

                <a class="rm-world" href="#" onclick="bookmark(this);"></a>

        -->

        <a class="rm-graf" href="/en/analysis/" title="Interactive analysis"></a>
        <a class="rm-mail" href="/en/feedback/" title="Feedback"></a>
        
                    <a class="rm-chasy" title="Browsing history" href="/en/personal/history/"></a>
            <ul class="tools_drop_menu" style="display: none;">
            <li><a href="/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php">10. Loans and Advances to Customers</a></li>
            <li><a href="/en/sr/message-from-the-chairman/">Opening Statement</a></li>
            <li><a href="/en/sr/about-the-csr-report/supplements/employee-turnover/">Employee Turnover</a></li>
            <li><a href="/en/sr/about-the-csr-report/supplements/injury-rate/">Injury Rate</a></li>
            <li><a href="/en/sr/about-the-csr-report/supplements/governing-bodies/">Governing Bodies</a></li>
    </ul>
            </div>
</div>
<script>

        function getBrowserInfo() {
        var t, v = undefined;

        if (window.chrome) t = 'Chrome';
        else if (window.opera) t = 'Opera';
        else if (document.all) {
            t = 'IE';
            var nv = navigator.appVersion;
            var s = nv.indexOf('MSIE') + 5;
            v = nv.substring(s, s + 1);
        }
        else if (navigator.appName) t = 'Netscape';

        return {type: t, version: v};
    }
    function bookmark(a) {
        var url = window.document.location;
        var title = window.document.title;
        var b = getBrowserInfo();

        if (b.type == 'IE' && 8 >= b.version && b.version >= 4) window.external.AddFavorite(url, title);
        else if (b.type == 'Opera') {
            a.href = url;
            a.rel = "sidebar";
            a.title = url + ',' + title;
            return true;
        }
        else if (b.type == "Netscape") window.sidebar.addPanel(title, url, "");
        else alert("Press CTRL-D, to add the page to your bookmarks.");
        return false;
    }
            (function ($) {
        $('#add_to_report').click(function () {
            var add = $('#add_to_report').attr("rel");
            if (add == 0) {
                $("#add_to_report").attr("title","Delete from My Report");
                $(this).attr("class","rm-bookminus");
                var param = {"ADD_BASKET": "303",  "LANG": "en"};
                var rel = 1;
            } else {
                $("#add_to_report").attr("title","Add to My Report");
                $(this).attr("class","rm-bookplus");
                var param = {"DROP_BASKET": "303",  "LANG": "en"};
                var rel = 0;
            }
            $.get("/bitrix/components/zebra/tools.panel/add_to_basket.php", param, function (data) {
                $('#add_to_report').attr("rel", rel);
                $('#to_count_report').html(data);
            });
            return false;
        });
        return false;

    })(jQuery);
    </script>    
    </div><!-- this is content-box-->

            <div id="mezh-box">
        <div id="mezh-in">
            <table>
                <tr>
                    <td><div id="mezh-l"><a href="/en/fr/ifrs/notes-to-consolidated-financial-statements/09.php">9. Securities Designated at Fair Value through Profit or Loss</a></div>
                                                    <a id="mezh-left" href="/en/fr/ifrs/notes-to-consolidated-financial-statements/09.php"></a>
                                            </td>
                    <td><div id="mezh-c">10. Loans and Advances to Customers</div></td>
                    <td>
                        <div id="mezh-r"><a href="/en/fr/ifrs/notes-to-consolidated-financial-statements/11.php">11. Securities Pledged under Repurchase Agreements</a></div>
                                                    <a id="mezh-right" href="/en/fr/ifrs/notes-to-consolidated-financial-statements/11.php"></a>
                                            </td>
                </tr>
            </table>
        </div>
    </div>
    <style>


    </style>
    <div id="footer">
        <div id="f-left">
           <div class="copyr">© 2016 «Sberbank»<br>All rights reserved</div>
           <div class="contrtumbler" version="0" siteid="en"><a>Contrast version</a></div>
        </div>
        <a id="f-center-en" href="/en/sitemap/"></a>

        <div id="f-right">
            <ul id="fr-one">
                <li><a href="/en/abbr/">Abbreviations</a></li>
                <li><a href="/en/gloss/">Glossary</a></li>
            </ul>
            <ul id="fr-two">
                <li><a href="/en/contacts/">Contacts</a></li>
                <li class="outlink"><a href="http://sberbank.ru/en/" target=_blank>Corporate website</a></li>
            </ul>
        </div>
    </div>
    </div>
    <div id="footer"></div>
    </div><!-- wrap -->
<!-- Yandex.Metrika counter -->
<script type="text/javascript">
(function (d, w, c) {
    (w[c] = w[c] || []).push(function() {
        try {
            w.yaCounter21332152 = new Ya.Metrika({id:21332152,
                    webvisor:true,
                    clickmap:true,
                    trackLinks:true,
                    accurateTrackBounce:true});
        } catch(e) { }
    });

    var n = d.getElementsByTagName("script")[0],
        s = d.createElement("script"),
        f = function () { n.parentNode.insertBefore(s, n); };
    s.type = "text/javascript";
    s.async = true;
    s.src = (d.location.protocol == "https:" ? "https:" : "http:") + "//mc.yandex.ru/metrika/watch.js";

    if (w.opera == "[object Opera]") {
        d.addEventListener("DOMContentLoaded", f, false);
    } else { f(); }
})(document, window, "yandex_metrika_callbacks");
</script>
<noscript><div><img src="//mc.yandex.ru/watch/21332152" style="position:absolute; left:-9999px;" alt="" /></div></noscript>
<!-- /Yandex.Metrika counter -->

<!-- Google analytics -->
<script>
  (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){
  (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),
  m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
  })(window,document,'script','//www.google-analytics.com/analytics.js','ga');

  ga('create', 'UA-41157728-1', '3ebra.com');
  ga('send', 'pageview');

</script>
<!-- /Google analytics -->    <div id="mail-feedback">
        <!--<form id="mail-feedback">
    <div class="modal-close"></div>
    <span class="form-title">Обратная связь</span>
    <p>Ваше имя</p>
    <input class="inp-w"/>
    <p>Ваш e-mail</p>
    <input class="inp-w"/>
    <p>Сообщение</p>
    <textarea></textarea>
    <div class="box">
        <div class="left">
            <img src="plaseholder.png"/>
            <a href="#" id="ch-img">Сменить изображение</a>
        </div>
        <div class="right">
            <p>Введите символы</p>
            <input class="inp-m"/>
        </div>
    </div>
    <a type="submit" href="#" class="link-box">Отправить</a>
</form>-->

<div class="modal-close"></div>
<form action="/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php" method="POST">
    <span class="form-title">FEEDBACK</span>
    <input type="hidden" name="sessid" id="sessid" value="8c86b5e20ab30656fbbfe55067983262" />
    <p>Name*</p>
    <input type="text" class="inp-w" name="user_name" value=""/>

    <p>Your E-mail*</p>
    <input type="text" class="inp-w" name="user_email" value=""/>

    <p>Message*</p>
    <textarea name="MESSAGE"></textarea>

            <div class="box">
            <div class="left">
                <img src="/bitrix/tools/captcha.php?captcha_sid=089b93e15f6c219dd5bea3bb50ff6734" width="180" height="40"
                     alt="CAPTCHA">
                <input type="hidden" name="captcha_sid" value="089b93e15f6c219dd5bea3bb50ff6734">
                <!--<a href="#" id="ch-img">Сменить изображение</a>-->
            </div>
            <div class="right">
                <p>Type the characters</p>
                <input type="text" class="inp-m" name="captcha_word" value="">
            </div>
        </div>
        <br clear="all"/><br/>
    <input type="hidden" name="arfeedback" value="Y">

    <input type="hidden" name="PARAMS_HASH" value="d10832dad5d8145056599b4f9cf7e72b">
    <input type="submit" style="border:0;padding-left:10px;text-align:left;" class="link-box" name="submit"
           value="Send">
</form>
    </div>
    <div class="modalbox">
        <div id="comp_364831f57727826c53ff8666705b4514">


<form name="share_rus" action="/en/fr/ifrs/notes-to-consolidated-financial-statements/10.php" method="POST" enctype="multipart/form-data"><input type="hidden" name="bxajaxid" id="bxajaxid_364831f57727826c53ff8666705b4514_92100" value="364831f57727826c53ff8666705b4514" /><input type="hidden" name="AJAX_CALL" value="Y" /><script type="text/javascript">
function _processform_92100(){
	var obForm = top.BX('bxajaxid_364831f57727826c53ff8666705b4514_92100').form;
	top.BX.bind(obForm, 'submit', function() {BX.ajax.submitComponentForm(this, 'comp_364831f57727826c53ff8666705b4514', true)});
	top.BX.removeCustomEvent('onAjaxSuccess', _processform_92100);
}
if (top.BX('bxajaxid_364831f57727826c53ff8666705b4514_92100'))
	_processform_92100();
else
	top.BX.addCustomEvent('onAjaxSuccess', _processform_92100);
</script><input type="hidden" name="sessid" id="sessid" value="8c86b5e20ab30656fbbfe55067983262" /><input type="hidden" name="WEB_FORM_ID" value="1" />
<table>
	<tr>
		<td>	<h3>Поделиться рус</h3>

			<p>Поделиться</p>
		</td>
	</tr>
	</table>
<br />
<table class="form-table data-table">
	<thead>
		<tr>
			<th colspan="2">&nbsp;</th>
		</tr>
	</thead>
	<tbody>
			<tr>
			<td>
								Ваш e-mail<font color='red'><span class='form-required starrequired'>*</span></font>							</td>
			<td><input type="text"  class="inputtext"  name="form_email_1" value="" size="0" /></td>
		</tr>
			<tr>
			<td>
								Ваше имя<font color='red'><span class='form-required starrequired'>*</span></font>							</td>
			<td><input type="text"  class="inputtext"  name="form_text_2" value="" size="0" /></td>
		</tr>
			<tr>
			<td>
								Кому отправить<font color='red'><span class='form-required starrequired'>*</span></font>							</td>
			<td><input type="text"  class="inputtext"  name="form_email_3" value="" size="0" /></td>
		</tr>
			<tr>
			<td>
								Ваш комментарий							</td>
			<td><textarea name="form_textarea_4" cols="40" rows="5"  class="inputtextarea" ></textarea></td>
		</tr>
		</tbody>
	<tfoot>
		<tr>
			<th colspan="2">
				<input  type="submit" name="web_form_submit" value="Сохранить" />
								&nbsp;<input type="reset" value="Reset" />
			</th>
		</tr>
	</tfoot>
</table>
<p>
<font color='red'><span class='form-required starrequired'>*</span></font> - Required fields</p>
</form></div>    </div>

    </body>
    <script>
        jQuery(document).ready(function () {
            jQuery('.tooltip').tooltipster({
                arrow: false,
                maxWidth: 300,
                position: 'right'
            });
            jQuery().piroBox_ext({
                piro_speed: 900,
                bg_alpha: 0.1,
                piro_scroll: true
            });
        });
    </script>
    </html>
