Segments analysis: business segments
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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
Interest income, Interest expense
Fee and commission income
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