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Segments analysis: business segments

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Sberbank of Russia

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Sberbank of the USSR today

Savings bank of the USSR today, Azerbaijan

Savings bank of the USSR today, Armenia

Savings bank of the USSR today, Belarus

Savings bank of the USSR today, Georgia

Savings bank of the USSR today, Kazakhstan

Savings bank of the USSR today, Kyrgyzstan

Savings bank of the USSR today, Latvia

Savings bank of the USSR today, Lithuania

Savings bank of the USSR today, Moldova

Savings bank of the USSR today, Russia

Savings bank of the USSR today, Tajikistan

Savings bank of the USSR today, Turkmenistan

Savings bank of the USSR today, Uzbekistan

Savings bank of the USSR today, Ukraine

Savings bank of the USSR today, Estonia


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Business segments


Report 2005: [ Company Overview | Balance Sheet | Income Statement | Cash Flows | Cash and Cash Equivalents | Trading Securities | Other Securities | Due from Other Banks | Loans and Advances to Customers | Other Assets | Due to Other Banks | Deposits from Individuals and Customer Accounts | Debt Securities in Issue | Other Borrowed Funds | Other Liabilities | Share Capital and Share Premium | Interest Income and Expense | Fee and Commission Income and Expense | Administrative and Other Operating Expenses | Income Taxes | Earnings per Share | Dividends | Business Segments | Geographical Segments | Geographical Risk | Currency Risk | Liquidity Risk | Capital Adequacy Ratio | Glossary ] [ Ratio Analysis | Statistics | Financial Data Schedule ]



The Bank's primary format for reporting segment information is business segments and the secondary format is geographical segments.

Business Segments. The Bank is organised on a basis of two main business segments:

· Retail banking - representing private customer current accounts, savings, deposits, custody, debit cards, consumer loans and mortgages.
· Corporate banking - representing current accounts, deposits, overdrafts, loan and other credit facilities, foreign currency and derivative products.

The Bank does not allocate in its internal management accounting system certain types of the Bank's assets and liabilities as well as income and expenses between the segments. Such items have been presented as "unallocated" in the table below. Currently the Bank is in the process of development of the basis of allocation of such items and adjusting its internal management accounting system to make such allocations in the future.

Segment reporting per business segments as of 31 December 2005 follows:

In thousands of Russian Roubles
 Corporate bankingRetail bankingUnallocatedTotal
Assets
Cash and cash equivalents--123 368 671123 368 671
Mandatory cash balances with the CBRF--56 808 77956 808 779
Trading securities131 815 427--131 815 427
Other securities at fair value through profit or loss227 280 891--227 280 891
Due from other banks25 932 229--25 932 229
Loans and advances to customers1 334 613 222452 675 002-1 787 288 224
Repurchase receivable1 658 705--1 658 705
Investment securities held to maturity28 398 916--28 398 916
Premises and equipment--106 849 836106 849 836
Other assets--23 725 83923 725 839
Total assets1 749 699 390452 675 002310 753 1252 513 127 517
Liabilities
Due to other banks24 912 260--24 912 260
Deposits from individuals-1 514 301 804-1 514 301 804
Customer accounts546 805 963--546 805 963
Debt securities in issue78 776 8958 112 633-86 889 528
Other borrowed funds62 963 865--62 963 865
Deferred income tax liability--2 330 4192 330 419
Other liabilities--14 462 11214 462 112
Subordinated debt29 393 050--29 393 050
Total liabilities742 852 0331 522 414 43716 792 5312 282 059 001
Interest income172 640 00072 881 854-245 521 854
Interest expense(15 862 793)(73 286 161)-(89 148 954)
Gains less losses arising from trading securities and other securities at fair value through profit or loss16 144 622--16 144 622
Gains less losses arising from investment securities available for sale4 709--4 709
Gains less losses arising from investment securities held to maturity4 180 969--4 180 969
(Losses, net of gains)/gains less losses arising from trading in foreign currencies(3 519 672)2 789 109-(730 563)
Fee and commission income26 018 34710 911 355-36 929 702
Fee and commission expense(1 146 784)--(1 146 784)

Assets
Total assets Loans and advances to customers

Liabilities
Total liabilities Debt securities in issue

Interest income, Interest expense
Interest income Interest expense

Fee and commission income
Fee and commission income

Data and information is provided for informational purposes only, and is not intended for trading purposes.
Neither www.sberbank.biz nor any of its data or content providers shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon.
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