SBERBANK
[SAVINGS BANK OF THE RUSSIAN FEDERATION]


THE LEADING BANK IN RUSSIA, CENTRAL AND EASTERN EUROPE.


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Balance Sheets as of 31 December
(Thousands of Russian Roubles, unless otherwise indicated)
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                                                   2003          2002
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Assets
Cash and cash equivalents                       45,615,928     67,608,513
Mandatory cash balances with the CBR*           98,893,608     74,808,687
Trading securities                             135,309,528    125,854,436
Due from banks                                  78,629,557     40,024,779
Securities available for sale                  176,694,073     93,025,286
Loans and advances to customers                792,363,615    516,671,183
Securities acquired at original issuance        73,535,315    102,027,415
Tax asset                                        3,481,131      1,643,607
Premises and equipment                          66,101,471     61,675,642
Other assets                                     6,877,032      3,673,820
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Total assets                                 1,477,501,258  1,087,013,368
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Liabilities
Due to banks                                    37,889,470      4,053,218
Deposits from individuals                      978,580,839    708,015,138
Customer accounts                              211,561,162    187,745,057
Own securities issued                          104,010,365     54,160,970
Other borrowed funds                             1,053,151      1,467,509
Other liabilities                                9,533,108      8,451,980
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Total liabilities                            1,342,628,095    963,893,872
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Shareholders' equity
Share capital                                   20,980,583     20,980,583
Share premium                                   10,016,190     10,016,190
Treasury shares                                       (312)          (411)
Revaluation reserve for premises                   474,987        497,605
Retained earnings and other reserves           103,401,715     91,625,529
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Total shareholders' equity                     134,873,163    123,119,496
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Total liabilities and shareholders' equity   1,477,501,258  1,087,013,368
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* the CBR = the Central Bank of the Russian Federation
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