Summary Consolidated Statement of Profit or Loss and Other Comprehensive Income

In millions of Russian Roubles 2013 2012
Interest income 19 018 16 611
Interest expense (9 532) (7 553)
Net interest income 9 486 9 058
Provision for loan impairment (3 839) (2 722)
Net interest income after provision for loan impairment 5 647 6 336
Fee and commission income 5 172 5 503
Fee and commission expense (663) (442)
Gains less losses from trading securities 19 6
Gains less losses from trading in foreign currencies 139 439
Foreign exchange translation gains less losses 297 (40)
Gains less losses from disposals of investment securities available for sale (1) 3
Other operating income 198 337
Administrative and other operating expenses (8 777) (8 652)
Impairment of investment securities available for sale —  (71)
Provision for impairment of other assets (147) (449)
Profit before tax 1 884 2 970
Income tax expense (392) (639)
Profit for the year 1 492 2 331
Other comprehensive income
Items that may be reclassified subsequently to profit or loss
Available-for-sale investments:
— Change in revaluation reserve 104 34
— Income tax recorded directly in other comprehensive income (23) (6)
Other comprehensive income for the year 81 28
Total comprehensive income for the year 1 573 2 359
Earnings per share for profit attributable to the equity holders of the Bank, basic and diluted (expressed in RR per share)
Ordinary shares 59 93
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The consolidated fi nancial statements, from which the summary consolidated fi nancial statements have been derived, are available from Bank Vozrozhdenie upon request.