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1. Some financial
indicators of the bank
|
(tht AZN)
|
December 31, 2007
|
December 31, 2006
|
|
Authorized
capital
|
10892
|
8572
|
|
Share of
foreign capital
|
340
|
340
|
|
Loan
portfolio
|
18015.89
|
12762
|
|
Loans
for judicial entities
|
6261..00
|
|
|
Consumer
loans
including
Mortgage
loan
|
258.16
|
|
|
|
|
|
Deposit
portfolio, including
|
8977.71
|
8755.75
|
|
Time
deposit
|
7548.93
|
8072.14
|
|
Deposits
of physical persons
|
7548.93
|
8072.14
|
|
Return
on assets (coefficient ROA)
|
|
|
|
Return
on capital (coefficient ROE)
|
|
|
2. Bank’s balance
sheet
|
ths
AZN
|
31 December 2007
|
31 December 2006
|
|
ASSETS
|
|
Cash
|
699.15
|
531
|
|
Due from the National Bank of Azerbaijan
Republic
|
863.61
|
1481
|
|
Placements with banks and other financial
institutions
|
1977.74
|
1022
|
|
Loans to customers
|
18015.89
|
12762
|
|
Investments
|
151.06
|
126
|
|
Other assets
|
823.99
|
1637
|
|
Property and equipment
|
217.78
|
987
|
|
Intangible assets
|
4.88
|
6
|
|
Total Assets
|
22754.10
|
18551
|
|
|
|
|
Liabilities
|
|
|
|
Deposits and balances from banks and
other financial institutions
|
2517.39
|
802
|
|
Current accounts and deposits from
customers
|
8977.71
|
8756
|
|
Other liabilities
|
169.58
|
417
|
|
Deferred tax liability
|
|
|
|
Total Liabilities
|
11664.68
|
9975
|
|
|
|
|
|
Capital
|
|
|
|
Partner’s equity
|
10892
|
8572
|
|
Revaluation reserve
|
565.70
|
398
|
|
Retained earnings
|
(368.28)
|
(394)
|
|
Total Capital
|
11089.42
|
8576
|
|
Total Liabilities and Capital
|
22754.10
|
18551
|
3. Off-Balance
Liabilities
|
Liabilities
|
31 December 2007
|
31 December 2006
|
|
Deposit on Credit
|
10178
|
10209
|
|
Guarantees
|
|
3
|
|
Credit lines
|
1
|
14
|
|
Total
|
10179
|
10226
|
4. Profit & loss statement
|
in thousands of Azerbaijani manats
|
Year
ended
31
December 2007
|
Year
ended
31
December 2006
|
|
|
|
|
|
Interest income
|
2995.14
|
2825
|
|
Interest expense
|
(1353.18)
|
(1518)
|
|
Net interest income
|
1641.96
|
1307
|
|
Fee and commission income
|
80.48
|
57,22
|
|
Fee and commission expense
|
(250.95)
|
(291)
|
|
Net fee and commission income
|
(170.47)
|
(234)
|
|
Dividend received
|
-
|
|
|
Operating income
|
321.91
|
359,74
|
|
Net foreign exchange income/(loss)
|
37,98
|
67,48
|
|
Impairment losses/(recovery)
|
-
|
|
|
General administrative expenses
|
(252.63)
|
(241)
|
|
Operating expenses
|
(1553.23)
|
(1093)
|
|
Income before taxes
|
25.52
|
167
|
|
Income tax expense
|
-
|
-
|
|
Net income
|
25.52
|
167
|
|
|
|
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|
 |
|
03 Sep
|
|
02 Sep
|
|
|
|
USD |
|
0.8035 |
|
0.8035 |
|
|
EUR |
|
1.0300 |
|
1.0276 |
|
|
GBP |
|
1.2391 |
|
1.2400 |
|
|
RUR |
|
0.0262 |
|
0.0261 |
|
|
|
|
