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Річна фінансова звітність, складена відповідно до Міжнародних стандартів бухгалтерського обліку

Balance Sheet In thousands of USD (as presentation currency) 31 December 2007 31 December 2006 ASSETS Cash and cash equivalents 202 753 158 409 Due from other banks 25 592 77 391 Loans and advances to customers 2 260 715 951 765 Investment securities available-for-sale 49 348 10 897 Current income tax prepayment - 351 Intangible assets 1 582 990 Premises, leaseholds improvements and equipment 53 253 36 220 Other financial assets 2 292 268 Other assets 2 779 1 012 TOTAL ASSETS 2 598 314 1 237 303 LIABILITIES Due to other banks 508 296 424 607 Customer accounts 842 751 530 317 Debt securities in issue 196 241 9 581 Loan participation notes 552 648 158 225 Current income tax liability 1 002 - Deferred income tax liability 42 4 233 Other financial liabilities 4 924 - Other liabilities 10 546 1 930 Subordinated debt 69 223 10 151 Prepaid non-registered share capital 100 000 - TOTAL LIABILITIES 2 285 673 1 139 044 EQUITY Share Capital 272 599 72 599 Additional paid-in capital 3 798 3 466 Retained earnings 15 040 2 835 Other reserves 21 204 19 359 TOTAL EQUITY 312 641 98 259 TOTAL LIABILITIES AND EQUITY 2 598 314 1 237 303 Approved for issue and signed on behalf of the Management Board on 7 April 2008. Income Statement In thousands of USD (as presentation currency) 31 December 2007 31 December 2006 Interest income 241 182 85 589 Interest expense (125 533) (41 157) Net interest income 115 649 44 432 Provision for impairment of loans and advances to customers (33 491) (21 183) Net interest income after provision for loan impairment 82 158 23 249 Fee and commission income 19 084 9 949 Fee and commission expense (1 469) (936) Gain less losses from financial derivatives 2 571 - Foreign exchange gains less losses 11 256 3 741 Foreign exchange translation losses less gains (2 294) (1 374) Losses less gains on initial recognition of loans and receivables at rates below market measured at amortized cost (3 422) - Gains less losses on initial recognition of financial liabilities measured at amortised cost at rates below market 183 55 Losses less gains from disposal of investment securities available-for-sale (110) (119) Impairment of investment securities available-for-sale (5) (5) Other operating income 852 738 Administrative and other operating expenses (92 176) (32 729) Profit before tax 16 628 2 569 Income tax expenses (4 782) (985) Profit for the year 11 846 1 584 Statement of Changes in Equity In thousands of USD Share Additional Other (Accumulated Total (as presentation currency) capital paid-in Reserves deficit)/ equity capital Retained earnings Balance at 31 December 2005 as previously reported 26 461 4 621 13 011 (152) 43 941 Reclassification - (1 155) - 1 155 - Balance as at 1 January 2006 after reclassification 26 461 3 466 13 011 1 003 43 941 Available-for-sale investments: - Fair value losses less gains - - (108) - (108) - Income tax recorded in equity - - 22 - 22 Land and buildings: - Revaluation of land and building - - 8 910 - 8 910 - Depreciation transfer - - (248) 248 - - Income tax recorded in equity - - (2 228) - (2 228) Net income recognised directly in equity - - 6 348 248 6 596 Profit for the year - - - 1 584 1 584 Total recognised income for the year - - 6 348 1 832 8 180 Share issue 46 138 - - - 46 138 Balance at 31 December 2006 72 599 3 466 19 359 2 835 98 259 Available-for-sale investments: - Fair value losses less gains - - 5 - 5 - Income tax recorded in equity - - (1) - (1) Land and buildings: - Revaluation of land and building - - 2 934 - 2 934 - Depreciation transfer - - (359) 359 - - Income tax recorded in equity - - (734) - (734) Net income recognised directly in equity - - 1 845 359 2 204 Profit for the year - - - 11 846 11 846 Total recognised income for the year - - 1 845 12 205 14 050 Share issue 200 000 - - - 200 000 Additional paid-in capital difference between proceeds and amount at initial recognition of liabilities at rates below market - 443 - - 443 Income tax recorded in equity - (111) - - (111) Balance at 31 December 2007 275 599 3 798 21 204 15 040 312 641 Statement of Cash Flows In thousands of USD (as presentation currency) 31 December 2007 31 December 2006 Cash flows from operating activities Interest received 261 933 82 482 Interest paid (113 843) (38 225) Fees and commissions received 18 936 9 949 Fees and commissions paid (1 759) (898) Income received from trading in foreign currencies 6 781 1 286 Other operating income received 740 4 248 Staff costs paid (46 517) (19 708) Administrative and other operating expenses paid (29 366) (13 162) Income tax paid (8 466) (3 738) Cash flows from operating activities before changes in operating assets and liabilities 88 439 22 234 Changes in operating assets and liabilities Net decrease/(increase) in due from other banks 51 875 (57 793) Net increase in loans and advances to customers (1 358 201) (661 817) Net increase in other financial assets and other assets (4 184) 373 Net increase due to other banks 84 083 218 108 Net increase in customer accounts 311 417 370 687 Net increase in other financial liabilities and other liabilities 3 114 396 Net cash used in operating activities (823 457) (107 812) Cash flows from investing activities Acquisition of investment securities available-for-sale (252 820) (78 672) Proceeds from disposal of investment securities available-for-sale 216 573 68 684 Acquisition of premises, leasehold improvements and equipment (18 972) (5 791) Proceeds from disposal of premises, leasehold improvements and equipment 7 84 Acquisition of intangible assets (827) (714) Other investing cash outflows - (396) Other investing cash inflows 396 - Net cash used in investing activities (59 643) (16 805) Cash flows from financing activities Proceeds from debt securities in issue 181 407 8 891 Proceeds from loan participation notes 388 875 160 000 Proceeds from subordinated debt 54 980 - Proceeds from issued non-registered ordinary shares 100 000 - Issue of ordinary shares 200 000 46 138 Net cash from financing activities 925 262 215 029 Effect of exchange rate changes on cash and cash equivalents 2 182 1 029 Net decrease in cash and cash equivalents 44 344 91 441 Cash and cash equivalents at the beginning of the year 158 409 66 968 Cash and cash equivalents at the end of the year 202 753 158 409 Бiльш детальну iнформацiю про рiчну фiнансову звiтнiсть емiтента, складену вiдповiдно до Мiжнародних стандартiв фiнансової звiтностi можна отримати на веб-сторiнцi Банку http://alfabank.com.ua/reports/international_reports/