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Income statement
unaudited
 RUR ths 1.01-30.09.99 1.01-30.09.98
Interest income 32,201 27,509
Interest expense 123,983 25,662
Net interest income (loss) (91,782) 1,847
Fee and commission income 26,826 6,138
Fee and commission expense 2,975 2,811
Net fee and commission income 23,851 3,327
Results from financial transactions 90,736 28,289
Other income 1,066 1,235
Total operating income 23,871 34,698
Operating expenses 19,009 11,194
Provisions for credit losses 2,519 18,091
Value adjustments to securities (581) 937
Profit before taxation 2,924 4,476
Taxation and other charges to profit 1,115 1,286
Profit for the period 1,809 3,190
 
Management Discussion Balance sheet
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