INDEPENDENT AUDITORS' REPORT
CONSOLIDATED FINANCIAL STATEMENTS
Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Changes in Shareholder's Equity
Consolidated Statements of Cash Flows
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
1. Principal Activities
2. Operating Environment and Economic Conditions
3. Basis of Preparation
4. Summary of Accounting Policies
5. Cash and Due from the NBU
6. Amounts Due from Credit Institutions
7. Loans to Customers
8. Investment securities
9. Taxation
10. Allowances for Losses
11. Property, Equipment and Computer Software
12. Other Assets and Liabilities
13. Amounts Due to the National Bank of Ukraine
14. Amounts Due to Credit Institutions
15. Amounts Due to Customers
16. Shareholder's Equity
17. Commitments and Contingencies
18. Net Interest Income
19. Fees and Commissions
20. Salaries and Other Administrative and Operating Expenses
21. Risk Management Policies
22. Fair Values of Financial Instruments
23. Government Related Transactions Analysis
24. Cash and Cash Equivalents
25. Capital Adequacy
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Consolidated Financial Statements Years ended 31 December 2003 and 2002 Together with Independent Auditors Report (219 Êá)
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