Financial accounting

	Name of the item	2003	2002
	ASSETS
1	Monetary funds and balance of account in NBU	3420	1917
2	Funds in other banks	34506	29911
3	Credits and arrears of clients	3274	8148
4	Investments into associate and affiliate companies	684	684
5	Fixed capital and intangible assets	1645	2020
6	Accrued interests	465	4101
7	Other assets	938	462
8	Total assets	44932	47243
	LIABILITIES
9	Funds of banks	1600	8818
10	Funds of clients	3508	1123
11	Charged expenditures payable	13	39
12	Other liabilities	9717	10074
13	Total liabilities	14838	20054
	NET WORTH
14	Authorized capital stock	25082	25082
21	Reserves	805	742
22	Revaluation results	38	38
23	Retained earnings	4169	1327
24	Total net worth	30094	27189
25	Total liabilities	44932	47243

Balance sheet as of July 1, 2004

	Name of item	As of accounting date of current year	As of accounting date of previous year
1.1	Interest	4927	3289
1.2	Bearing interest	(1120)	(869)
1	Net interest	3807	2420
2.1	Consignment	398	238
2.2	Commission expenses	(287)	(74)
2	Net consignment	111	164
3	Net trade returns	99	6
4	Total operative income	4017	2590
5	Total administrative expenses	(1313)	(1085)
7	Personnel expenses	(701)	(540)
8	Other expenses	(605)	(768)
9	Income from operations	1398	197
10	Expenses for reserves formation	(180)	(57)
11	Income before taxation	1218	140
12	Income tax	(548)	0
13	Income after taxation	670	140
13	Unforeseen income/expenses	0	0
14	Net income/loss of the bank	670	140

PROFIT AND LOSS STATEMENT

	Name of item	2003	2002
1.1	Interest yield	6744	9160
1.2	Bearing interest	(1640)	(1815)
1	Net interest	5104	7345
2.1	Commission income	650	304
2.2	Commission expenses	(232)	(145)
2	Net commission income	418	159
3	Net trade returns	98	35
4	Income from investments into associated and subsidiary companies	2124	0
5	Other income	9	0
6	Operating income	7753	7539
7	Total administration costs	(2437)	(2628)
8	Personnel expenses	(1119)	(1026)
	Other expenses	(1605)	(1926)
9	Income from operations	2592	1959
10	Expenses for reserves formation	693	(479)
11	Income before taxation	3285	1480
12	Income tax	(380)	(215)
13	Income after taxation	2905	1265
14	Unforeseen income/expenses	0	8
15	Net income/loss of the bank	2905	1273

PROFIT AND LOSS STATEMENT

As of July 1, 2004

	Name of item	As of accounting date of current year	As of accounting date of previous year
1.1	Interest	4927	3289
1.2	Bearing interest	(1120)	(869)
1	Net interest	3807	2420
2.1	Consignment	398	238
2.2	Commission expenses	(287)	(74)
2	Net consignment	111	164
3	Net trade returns	99	6
4	Total operative income	4017	2590
5	Total administrative expenses

ASSETS