Consolidated Income Statement

## ANNUAL REPORT FOR 2012

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- Independent auditors’ report
- Consolidated Financial Statement

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# Consolidated Income Statement

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

- shareholders of the Bank

348.8

316.2

- non-controlling interest

(0.9)

(0.3)

Earnings per ordinary share for profit attributable to the shareholders of the Bank, basic and diluted (expressed in RUB per share) | 29 | 16.03 | 14.59

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

Herman Gref
Chairman of the Management Board and CEO

Andrey Kruzhalov
Chief Accountant

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#### Tools:

Consolidated Statement of Financial Position | Consolidated Income Statement | Consolidated Statement of Comprehensive Income

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