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2011
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246 853

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2011 .



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()/
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Life


1997 .
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0401201207 17 2006 . -

0403200439 17 2006 ., .


9 2004 .
64313-1910-.

.
Kazkommerts International B.V.
(B.V.)
.

. 24278506 1
1997 . , ,
,
.
Kazkommerts Finance II B.V.
(B.V.)
.
.
24317181 13 2001
. ,
.
Kazkommerts Capital II B.V.
(B.V.)
11 2000 .

. 24305284 11
2000 ., .
Grantum Asset Management ( )

1998 .
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, 31
2011 .
(. )
2,009
(1,023)
986

,
31 2010 .
(. )
4,460
(1,898)
2,562

9.

:



,





:









,

,
31 2012 .
(. )

, 31
2011 .
(. )

,
31 2010 .
(. )

8,690
6,136
4,629

6,794
5,631
3,885

5,394
4,885
3,402

3,661

3,011

2,219

1,853

2,088

2,875

1,693

1,710

1,449

440
368
27,470

361
466
23,946

312
438
20,974

4,738

4,017

3,103

2,936

2,283

1,862

278

296

290

244
138
68
2

197
138
93
7

169
130
47
1

15

180
8,584

216
7,247

112
5,729

10.
, 31 2012 . 8,508 .
,
, ,

, 6,698 . 1,523 . ,
(326)

(5,232)

(5,947)

, ,
, 287 . .

107

11.




()/
,

,
31 2012 .
(. )
3,092

, 31
2011 .
(. )
4,223

,
31 2010 .
(. )
4,394

776

465

217

63

543

180

23

30

82

120

15

(150)

(164)

515

709
4,748

567
5,791

189
5,377

, 31 2012 .,
556 . (3.6 . ) (2011 .: 47,841 .
(322 . ), 2010 .: 66,765 . (453 . )).
63 .
(2011 .: 543 . , 2010 .: 180 . ),
.

12.

,
31 2012 .
(. )
17,799
3,149
2,452

, 31
2011 .
(. )
18,036
3,286
2,509

,
31 2010 .
(. )
17,709
3,481
2,386

2,279

2,276

2,085

2,093
1,599
866
793
415
2,445
33,890

2,378
1,609
824
322
343
2,545
34,128

1,936
1,319
725
299
329
2,461
32,730

13.

,

108

,
, .

,
,
.


, . ,
31 2012, 2011 2010 ., ,
, .
2012 . ,
.
, ,
.
31 2012, 2011
2010 . :

:
,





:

,

,


/
()

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

5,907

2,900

591

1,570

4,477

2,603

533

459

309

794

36

492

41

58

46

273
8,743

165
7,928

4,584

(2,151)

(2,089)

(1,922)

(1,538)

(100)

(147)

(8)

(34,398)

(32,681)

(3)

(8)

(3,839)

(36,587)

(34,619)

(684)

(472)

4,220

(29,131)

(30,035)


, 31 2012, 2011 2010 .,
:

109

()/

14. ()/

,
31 2011 .
(. )

,
31 2010 .
(. )

(163,786)

31,177

29,357

(32,757)

6,235

5,871

(2,682)
2,183

(1,853)
3,252

(1,446)
2,944

402

23

. ,

(32,854)

7,657

7,369

278

8,553

2,768

402

23

(33,534)

(896)

4,601

()/

(32,854)

7,657

7,369

(32,854)

7,657

7,419

(50)

(32,854)

7,657

7,369

()/
,
.
30,


. ,
2022 . -,
, ,

4,220 . 31 2012 .

, ,
, ,
.
2012, 2011 2010 .,

,
( ), , ,
, , ,
.

()/

()/ ,

,





()/ ,



()/
()/
()

()/
1
()/


,


2012 .
(. )

2011 .
(. )

2010 .
(. )

29,131
(33,534)

47

30,035
(896)

147

24,519
4,601
663
188

136

(154)

(54)

(1)

118

(4,220)

29,131

30,035

,
31 2012 .
(. )

, 31
2011 .
(. )

,
31 2010 .
(. )

(130,353)

23,480

21,879

(2,603)

(2,385)

(778)

(131,131)

20,877

19,494

777,954,987

778,508,421

778,595,809

(168.56)

26.82

25.04

()/
, ()/
.
31
2012, 2011 2010 . :


20% 2012, 2011 2010 .

31

,
31 2012 .
(. )


:

,



()/





()/

()/



()/

110

31 2012 .

31 2011 .

(.

(.
)

31 2010 .

(.
)

777,588,523

300,454

386.39 778,362,588

428,912

551.04

778,585,361

405,783

521.18

123,209,769

13,038

105.82 123,963,374

13,002

104.89

124,514,944

13,034

104.68

313,492

441,914

418,817

111

). ,
.

15.
()


()

31
2012 .
(. )
50,188
56,309
106,497

31
2011 .
(. )
41,308
63,759
105,067

31
2010 .
(. )
38,243
22,973
61,216

, :

112

()
, ,
3
,
()
,
()
,
()
,
()

31
2012 .
(. )
106,497

31
2011 .
(. )
105,067

31
2010 .
(. )
61,216

112,733

30,771

95,227

(37,806)

(54,653)

(35,693)

(2,974)

(2,916)

(2,378)

(133)

(126)

(110)

(72)

(79)

(39)

178,245

78,064

118,223

16.

31
2012 .
(. )
103,644
8,823
6,355

31
2011 .
(. )
165,359
13,102
9,852

31
2010 .
(. )
197,188
21,524
4,519

118,822

188,313

223,231

,
, .

31 2012 .

25 2010 ., ,
, (

31 2011 .

(. )

0.008.75

77,504

7.4013.50
7.9010.15

31 2010 .

(. )

(. )

2.508.75

86,456

8.75

36,084

13,760
4,039

7.2514.25
7.609.00

10,062
3,002

6.2114.75
6.489.00

11,069
3,943

0.009.20

2,489

7.509.50

2,509

6.2511.00

8,916

8.869.00

2,010

8.799.00

2,195

7.709.00

2,167

7.259.50

1,891

7.259.25

3,398

7.259.25

1,428

8.38

866

6.259.13

2,889

6.2511.75

3,778

6.009.70

768

6.0010.00

586

7.509.70

833

6.50

173

6.50

147

6.50

150

5.876.95

89

4.206.75

3,018

5.057.75

919

7.85

55

7.85

8,765

7.38

638

8.00

73

8.00

155

0.384.75

16,184

7.38

649

103,644

41,621
165,359

110,913
197,188

31 2012, 2011 2010 .,


,
,
,
, ,
, .
31 2012 .

,
%



*

*
*



31 2011 .

31 2010 .

(. )

,
%

(. )

, %

(. )

0,0013,083

4,430

0,0103,080

6,642

0,120

267

1,425
0,0000,010

0,000,060

0,0150,016

1,262
240
161
106
76
55
25

6,355

0,050
0,00010,010
0,030
0,00011,470
0,0008
0,00020,010
0,00011,100
0,0010,005
0,0002
0,004

465
264
285
383
60
165
1,421
122
23
22
9,852

0,000010,080
0,014
0,0001
0,0002

0,0020,250
0,000020,0018

1,052
723
88
34

2,310
45

* 1%

113

31 2012 .
, 10%
, 74,947 . (2011 .: ,
2010 .: ).

31 2012 ., ,
,
, 77,936 . (2011 .:
29,404 . , 2010 .: 37 . ).

31 2012 .,
74,947 . (2011 .: 18,324 . , 2010 .:
24,161 . ).

(. )

31 2011 .

(. )

31 2010 .

(. )


31 2012, 2011 2010 .
:

31 2012 .

166,073

8,701

(1,514)

268,980

13,013

(26,700)

21,723

23

(12)

4,540

22

34,193

77

(7,351)

8,823

(8,877)

338,467

20,228

(23 470)

10,044

3,768

12

(17)

5,012

1,114

(1,112)

4,216

(1)

67,104

72

(11,054)

98,731

179

(11,464)

13,102

(37,771)

21,524

(36,047)

31 2012 ., ,
,
2,250 .
(2011 .: 2,510 . , 2010 .: 1,417 . ).

31 2012 .

114

31 2012 ., ()/
, , - ,
1,468 . (2011 .: 1,646 . , 2010 .: 1,428 . ).
2017 .,
.
31 2012 ., ,
, ,
732 . (2011 .: 1,145 . , 2010 .: 1,658 . ).
2018 .,
.

17. ,

:
,

,

31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

42,805
93,490
10,688
146,983
(280)
146,703

26,433
26,895
800
54,128
(160)
53,968

120,370
17,690
8,407
146,467
(136)
146,331

,
, ,
31 2012, 2011 2010 ., 6.
31 2012 ., ,
,
364 . (2011 .: 220 . , 2010 .: 275 . ).

31 2011 .

31 2010 .

11,623

10,688

54

500

842

800

5,263

5,000

1,549

1,256

1,024

901

844

724

37

26

11,623

10,688

842

800

8,771

8,407

, 31 2012 ., ,
, 95 .
(2011 .: 228 . ; 2010 .: 403 . ).
31 2012 .,
. ,
.

18. ,
31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

2,834,240

2,731,605

2,739,966

6,739
2,840,979
(923,287)

6,164
2,737,769
(658,108)
2,079,661

6,417
827
2,747,210
(572,450)
2,174,760

31 2012 . ,
, , 371,611 . (2011 .: 343,680 .
, 2010 .: 301,219 . ).

115

, ,
31 2012, 2011 2010 ., 6.
, 31 2012 .,
, 286,193 . (2011 .:
65,944 . , 2010 .: 95,422 . ),
, 31 2012 ., 923,287 . (2011 .: 658,108
. , 2010 .: 572,450 . ).

.
, ,
.

, ,
.

116

:
,
,
,
,
,
,

,
,
(,
, , , )
,
,

31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

1,053,504
400,186
175,388
135,693
61,316

962,619
557,616
213,059
162,865
74,744

1,093,333
401,473
226,045
220,857
57,804

15,977

36,051

24,896

11,667
11,579

21,784
17,109

3,755
37,958

7,883

2,072

20,496

44,499
1,917,692

31,742
2,079,661

818
143
87,182
2,174,760

, ,
. ,
, , ,
, .
31 2012 .,
( Kazkommerts Finance II B.V.),

, ,

47 . (313 . ) (2011 .: 12,673 .


(85 . ), 2010 .: 12,547 . (85 . )).

31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

504,032
296,818
213,185
197,549
138,146
113,363
103,829
43,558
40,262
39,860
36,321
21,847
19,325
15,259
8,786
7,323
4,233
113,996
1,917,692

538,737
280,338
208,786
207,291
132,654
131,525
99,485
54,286
64,311
96,886
53,892
27,376
18,616
17,258
13,361
6,905
6,424
121,530
2,079,661

368,093
160,702
232,690
255,718
183,800
327,872
102,749
57,699
92,830
95,349
48,345
41,699
18,896
42,481
11,809
8,099
10,357
115,572
2,174,760

, 31 2012, 2011 2010 .,


, .
31 2012 . 71,853 . (2011
.: 68,141 . , 2010 .: 16,517 . )
.
, .
, , :

31
2012 .
(. )
123,104
83,595
2,536
2,186
1,764
213,185

31
2011 .
(. )
127,527
72,954
3,483
2,231
2,591
208,786

31
2010 .
(. )
144,264
73,105
5,348
2,760
7,213
232,690

31 2012 ., ,
10% ,
832,629 . (2011 .: 401,578 . , 2010 .: 326,602 . ).
31 2012 ., 90.52% (2011 .: 87.67%,
2010 .: 84.42%) ,
,
.
31 2012 .
, ,
13,947 . (2011 .: 14,053 . , 2010 .: 8,992 . ).
31 2012, 2011 2010 .

:

117

31 2012 .
(. )

31 2011 .
(. )

461

461

357

366

818

827

(9)

818

818

31
2012, 2011 2010 ., :
31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

8,058
(1,319)
6,739
1,674
5,065
6,739

6,381
(217)
6,164
2,458
3,706
6,164

6,941
(524)
6,417
3,126
3,291
6,417

31 2010 .
(. )


118

1
1 5
5

:

31
2011 .
(. )
1,699
3,544
1,138
6,381
(217)
6,164

31
2010 .
(. )
2,731
2,897
1,313
6,941
(524)
6,417

31 2010 .
(. )
11,876
4,946
16,822

31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

0,008,62

6,839

0,009,90

6,118

0,0018,59

6,346

0,016,50

4,622

0,018,40

3,522

0,0010,10

4,974

6,9012,50

1,873

7,259,10

1,097

3,7010,50

556

7,85

551

7,85

575

4,77

80

13,965

11,312

31
2011 .
(. )

31
2010 .
(. )

0,6500,650

780

1,060

1,402

0,650

1,262

0,0290,145

610

0,0300,440

657

0,0300,120

701

0,0090,009
0,0090,050

1,0901,090

261
66

1,717

0,010
0,0000010,010
0,020
0,020

284
50
79
1,635
4,107

0,009
0,0000070,014
0,017
0,180

492
94
155
2,242
4,946

20. ,

19.,
31 2011 .
(. )
11,312
4,107
15,419

31 2012, 2011 2010 ., ,


, ,
.

2012, 2011 2010 .,


.

31 2012 .
(. )
13,965
1,717
15,682

31
2012 .
(. )

31 2012 ., ,
,
482 . (2011 .: 525 . , 2010 .: 438 . ).

,
31 2012, 2011 2010 .,
:
31
2012 .
(. )
2,207
3,647
2,204
8,058
(1,319)
6,739

11,876

31 2012 .

31 2011 .

(. )

6,7013,00

2,365

0,0011,75

31 2010 .

(. )

(. )

6,6011,00

1,358

6,0011,00

662

2,024

0,0011,75

1,253

0,0011,75

942

4,486,75

1,661

0,076,75

243

6,75

238

7,888,70

351

8,70

189

5,466,75

333

6,696,75

487

6,69

154

6,50

203

6,50

204

7,85

292

6,937

4,026

1,996

31 2012 .,
127 . (2011 .: 88 . , 2010 .: 39 . )
, .

21.
, ,
,
.
, ,
, (,
).

119

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

1,281

1,281

1,281

Grantum Asset Management

1,124
2,405

1,124
2,405

1,124
2,405

31 2012, 2011 2010 .,


,
Grantum Asset Management, .
31 2012 .,
, .

:
;
;
;
 (
);

);
.
,
4 ,
;
(, /,
).
.

20.74% (2011 .: 17.10%, 2010 .:

22.

:
31 2009 .


31 2010 .


31 2011 .


31 2012 .
:
31 2009 .



31 2010 .



31 2011 .



31 2012 .

:
31 2012 .
31 2011 .
31 2010 .

(. )

(. )

(. )

(. )

(. )

(. )

23,357
2,458
142
(3,377)
(6)
22,574
1,432
36
(77)
(23)
23,942
114
239
(41)
39
24,293

17,210
2,393

(1,110)
(122)
18,371
2,296

(943)
(48)
19,676
1,668

(957)
72
20,459

3,692
322

(18)
(57)
3,939
373

(94)
(17)
4,201
408

(91)
29
4,547

412

(374)

38
51

(21)

68
24

(33)

59

2,373
84

(510)
(18)
1,929
634

(1,120)
(56)
1,387
31

(306)
66
1,178

47,044
5,257
142
(5,389)
(203)
46,851
4,786
36
(2,255)
(144)
49,274
2,245
239
(1,428)
206
50,536

245
261
(15)
(100)
(1)
390
275
(9)
(1)
655
352
(126)
(33)
1
849

9,644
2,167
70
(979)
(88)
10,814
2,076
(747)
(40)
12,103
2,098

(941)
62
13,322

1,770
577

(18)
(22)
2,307
544
(94)
(17)
2,740
509

(91)
26
3,184

1,414
476
(55)
(343)
(9)
1,483
391
(1,112)
(14)
748
190

(306)
29
661

13,073
3,481

(1,440)
(120)
14,994
3,286
(1,962)
(72)
16,246
3,149
(126)
(1,371)
118
18,016

23,444
23,287
22,184

7,137
7,573
7,557

1,363
1,461
1,632

59
68
38

517
639
446

32,520
33,028
31,857

15.40%), ,
3%, .

,
. , ,
.
,

120

,
.

31 2012 .

8,064 . (2011 .: 7,363 . , 2010
.: 6,342 . ), 6,560 . (2011 .: 6,487 . , 2010 .: 5,389
. ,) .
,
27 2012 . (2011 .: 26 2011
., 2010 .: 22 2010 .).
.
.

121

,
.
,
31 2012 . 23,444 . . (2011 .: 23,287 . , 2010 .:
21,184 . ). , ,
, ,
31 2012 . 14,380 . (2011 .:
14,366 . , 2010 .: 13,361 . ).
, .

23.

,

39:

122


,

39
,
,



31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

6,800

7,302

7,935

1,668

2,059

1,901

1,253
9,721
(4,890)

842
10,203
(3,773)

1,159
10,995
(4,033)

4,831

6,430

6,962

71,853
4,452
3,322
2,635
1,462
943
13
84,680
89,511

68,141
4,380

363

1,208

74,092
80,522

16,517
2,597

495

1,574

21,183
28,145

, 31 2012, 2011 2010 .,


,
, , .
,
, ,

. , , ,
. . . . ,
, ,
2012, 2011
2010 . ,
.
, 31 2012 .
776 . (2011 .: 465 . , 2010 .: 1 . ).

33. 150
. (2011 .: 164 . , 2010 .: 515
. ). ,
31 2012, 2011 2010 ., 6.

24.

:

,

,
:
2014 .
2013 .
2012 .
2011 .


,

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

2,348

3,322

1,940

171

180

227

8,378
3,302

24,289
503
71,486
110,477

14,960

1,045

44,433
338
27,937
92,215

23,037

148
121,760
1
26
147,139

31 2012 .
213 .
(2011 .: 236 . , 2010 .: 492 . ).
31 2012 .
23,546 . (97.35% )
(2011 .: 42,890 . 97% ;
2010 .: 116,985 . 96%
) 7 (2011 .: 6, 2010 .: 9)
, , , , ,
, .
12 97 (2011 .: 7 97 , 2010 .: 48
52 ).
0.86% 7.00% (2011 .: 0.25% 9%, 2010 .: 1.33% 9.75%).
31 2012 .
, , 71,486 .
(2011 .: 27,937 . , 2010 .: 26 . ).
31 2012, 2011 2010 .
,
:
31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

65,186

60,222

8,964

7,857

1,993

1,895

1,793

1,512

29,404

27,937

37

26

77,936

71,486

29,404

27,937

37

26

123

31 2012 .,
. ,
.
,
31 2012 ., :


.
,
,
.

,
, ,
, , .
,
.

124

,
,

. , ,

.

25.
:


,

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

1,064,077
379,974

894,543
457,588

893,814
459,480

105,883

107,689

152,383

3,642
1,553,576

3,257
1,463,077

1,123
1,506,800

31 2012 .,
12,844 . (2011 .: 12,238 . , 2010
.: 16,767 . ).
31 2012 ., ,

, 6,626 . (2011 .: 7,697 . , 2010
.: 3,711 . ), 31.
31 2012 ., ,

-
103,701 . (31

,


( 16)


31 2012 .:

(c,
)

77,936
77,936
71,486

2011 .: 105,072 . , 2011 .: 138,314 . ), :


 22,629 . (
24,000 . );
 .
. 77,432 . (
111,998 . );

,
, ,
, , ,
. ,
,
, ,
. ,
,
.

.
31 2012, 2011 2010 .

.

 ,
3,640 . .
23 2012 .

-.
31 2012 ., 654,158 .
42.11% (2011 .: 610,002 . 41.69%, 2010 .: 769,594 .
51.07%), 10 ,

. , ,
,
, .

125

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

659,384

594,062

472,732

199,811

114,484

287,393

105,072

120,288

128,512

96,591

116,668

108,939

84,825

71,074

21,125

83,355

84,862

120,650
104,791

70,207

98,340

60,053

55,536

46,158

49,602

47,973

47,476

41,419

41,095

59,728

35,944

25,523

31,854

12,519

20,934

27,462

10,887

18,771

21,236

43,907

53,467

28,744

1,553,576

1,463,077

1,506,800

26.

31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )


:
(
Kazkommerts International B.V.):

2011 .

5,125

35,741

2009 . 100%

2011 .

12,00

5,739

2007 .
99.962%

2012 .

7,625

25,903

30,632

2003 .
97.548%

2013 .

8,50

45,940

45,279

51,625

2004 . 99.15%

2014 .

7,875

29,016

26,851

36,183

2005 .
98.32%

2015 .

8,00

42,671

39,030

40,363

2006 .
98.282%

2016 .

7,50

43,121

41,410

50,250

2007 .
99.277%

2017 .

6,875

78,202

75,258

77,283

,
2011 . 99.353%*

2018
.

8,50

45,188

44,490

2012 .

12,85

10,384

26,330

284,138

308,605

354,146

(1,791)

(2,038)

(2,361)

7,401

8,886

10,850

289,748

315,453

362,635

2006 . 99.993%

126

( )/c :


( Kazkommerts International B.V.)

102.21%-104.48%

2016 .

2,329

2,329

2,329

47

47

47

60

79

97

414

471

2,642

419

4,633

5,692

7,020

10

297,247

324,087

375,199


88.00%-100.00%

2013 .

9,00

4,0112,00

Moscow Stars B.V.


99.00%

2022 .

2,035,53


Moscow Stars B.V.

* , .

31 2012 . ,
, 7,465 . (2011 .: 8,949 . , 2010
.: 11,326 . ).
11 2010 . Kazkommerts International B.V.
. ,
.

.

,
%

18 2007 . Moscow Stars B.V.


2022 ., 16 2007 .,
15- . Moscow Stars B.V.
,
, 12
.
23 2011 . , 2006 .
300 . (61,440 . ).
.
12 2011 . 300 .
(43,722 . ). 7 8.5%
99.353% .
30 2011 . , 2008 .
230 . (33,428 . ).
.
13 2012 . 122 .
(28,609 . ), 2007 .
350 . .
13 2012 .
40 . (6,038 . ).
19 2012 . 72 .
(11,614 . .), 2007 .
125 . .
2012 ., ,
556 . (3.6 . ) (2011 .: 47,841 . (322
. ), 2010 .: 66,765 . (453 . ))
2012-2016 .
2012 . ,
6,119 . (41 . ) (2011 .: , 2010 .:
) 2014-2016 .

, .
,
,
, .
- , 31
2012, 2011 2010 .

127

27.
31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

2016 .

17,540

20,359

16,300

2017 .

1,075

1,378

1,788

2013 .

16

76

170

2017 .

3,062

3,549

Citigroup
GMD AG & CO

2012 .

1,484

1,475

DEG-Deutsche Investitions MBH

2011 .

642

2011 .

19

18,631

26,359

23,943

Deere Credit
Societe Generale Financial Corp
London Forfaiting Company LTD

29.

Private Export Funding Corporation

*
-.

31 2012 . ,
, 386 . (2011 .: 371 . ,
2010 .: 317 . ).

128


, .
,
,
, .
- , 31
2012, 2011 2010 .

,
%

31
2012 .
(. )

31
2011 .
(. )

31
2010 .
(. )

2017 .

5,950

31,798

37,115

36,883

2015 .2019 .

5,700
9,000

33,847

33,645

33,108

2016 .

6,770

23,181

30,433

30,515

2014 .

9,667

15,414

15,175

15,083

9,200

11,059

14,928

14,845

6,851

6,744

6,703

122,150

138,040

137,137

* Kazkommerts Finance II B.V.


.
31 2012 ., ,
, 1,624 . (2011 .: 2,139 . , 2010
.: 2,272 . ).
25 2010 . Kazkommerts Finance II B.V.
.
.

.

, .
,
,
. -
, 31 2012, 2011 2010 .

30.

28.

31 2012, 2011 2010 .,


1,100 . 175 . .
:







:

,

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

2,729
1,656
1,552

2,353
302
1,234

4,206
539
783

1,184

339
17
7,477

574
32
4,495

380
44
5,952

1,669
1,150

392
2,760

161
1,755

10,296

7,647

7,868

31 2012 .,
:



(. )


(. )



(. )


(. )

11,000
1,750

(3,206)
(500)

(18)
(18)

7,776
1,232

12,750

(3,706)

(36)

9,008

31 2011 .,
:

129



(. )


(. )



(. )


(. )

11,000
1,750

(3,206)
(500)

(10)
(11)

7,784
1,239

12,750

(3,706)

(21)

9,023

31 2010 .
:


(. )


(. )



(. )


(. )

11,000
1,750

(3,206)
(500)

(8)
(5)

7,786
1,245

12,750

(3,706)

(13)

9,031

31 2012, 2011 2010 . .

130

, ,
,
.

0.04 .
,
,
. .
2012 . , ,
778 . (2011 .: 731 . , 2010 .: 731 . ). 2012,
2011 2010 . .

31 2012, 2011 2010 .:

31 2009 .
/()
31 2010 .

31 2011 .

31 2012 .

124,452,984
61,960
124,514,944
(551,570)
123,963,374
(753,605)
123,209,769

778,601,164
(15,803)
778,585,361
(222,773)
778,362,588
(774,065)
777,588,523

31 2012 .,
1,749,654 (2011 .: 975,615 , 2010 .: 752,815 ).

.
, ,
. ,
, ,

- , ,
.
,

.
2013 .
.


. ,
(Unexpected Loss).
-,

.

31.

.
, ,
.



,
.
,
.
31 2012 ., ,
, 2,683 . ,
()
2,673 . ,
10 . (2011 .: 2,524
. , 2010 .: 3,903 . ).
, ,

, .

31 2012 . 69,674 .
(2011 .: 46,580 . , 2010 .: 23,383 . ).
, .
31 2012, 2011 2010 .,
, , :

131

:




,

,




,
,

31 2012 .
(. )

31 2011 .
(. )

31 2010 .
(. )

79,314

68,895

90,557

13,947

14,053

8,992

3,952

5,280

2,783

28

40

44

97,241
(6,626)
(2,673)
87,942
87,440

88,268
(7,697)
(2,524)
78,047
80,641

102,376
(3,711)
(3,903)
94,762
95,907



, .
31 2012 .
417,634 . (2011 .: 396,716 . , 2010 .: 286,654 . ).
,

,
;

; ( )
,
.

31 2012 .,
173 . (2011 .: 395 . , 2010 .: 959 . ).

31 2012, 2011 2010 .,
.

,

, .
,
.
31 2012, 2011 2010 .,
, 112,884 .
(2011 .: 89,223 . , 2010 .: 104,847 . ). ,
, 31 2012 .
304,422 . (2011 .: 243,170 . , 2010 .: 150,038 . ).

132


. ,

, ,
.

, ,
, ,
. ,
. , -
,
, ,
, .

. ,

, ,
. ,
. ,
,
.
2012 . 2007 .
2010 . .
3,775 . ,
.
1,395 . .
. 3,775 . . ,
,
.

.

, ,
, , ,
, , .
, , ,
.
-
, ,
.
,
,
.

32.

, 24.

, .
, ,

133

.
:
31 2012 .
(. )

,







,





134

1,015

2,840,979

1,015
(61)

1,006

2,737,769

1,006
(923,287)

(61)
5,359
1,467

31 2011 .
(. )

(78)

5,758
1,456

1,055

2,747,210

1,055
(658,108)

(78)
1,553,576

31 2010 .
(. )

(110)
(110)

1,463,077

5,255
1,402

349

303

327

3,494

3,761

3,474

49

238

52

110

13,947

110
12

121

14,053

121
79,314

12

19

(572,450)

305

1,506,800

8,992

305
68,895

19

18

90,557

18

, ,
, ,
31 2012, 2011 2010 .:
, 31
2012 .
(. )







,






()/

,
,
,



, 31
2011 .
(. )

, 31
2010 .
(. )

73

232,061

81

246,853

73
(272)
(63)

81
(107,723)

(438)
(120)

91
91

(133,531)

(471)
(130)

(2)

(7)

(209)

(316)

(316)

(1,039)

(33,890)

(1,039)

(2,428)

(34,128)

(2,428)

(289,011)

(3)

(3)

291,515

(18)
(1,033)

(152,091)

(32,730)

(1,033)

(66,573)

(95,973)

, 31
2012, 2011 2010 ., .
31 2012, 2011 2010 ., , .

33.


.
, ,
.

, ,
, ,
, ,
.
 ,
, , ,
, ,
.
 ,
, .
.
,
.
,
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,
, .

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,
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.
.
, ,
. ,
, .
,
, .

.

, ,
. ,
.

135

(. )

(. )

(.
)

(. )

(. )

31
2012 .
(. )

31,632

191,038

8,398

993

232,061

59,244

31,241

183,407

(273,892)

(43,138)

(23,639)

(40,945)

(1)

(107,723)

(15,817)

(146,890)

(111,185)

273,892

31,921

/()

,

4,403

/
()

136

(. )

51,750

39,675

992

124,338

36,324

1,362

(238,800)

845

(178)

39,497

(169)

1,329

992

(157)

74

(286,325)

(161,987)

(326)

(. )

(.
)

(. )

(. )

31
2011 .
(. )

911

228

(125)

(28)

986

11,339

9,426

3,181

23,946

(5,983)

(601)

(509)

(154)

(7,247)

25

77

102

/()



/()

186

24

210

149

1,225

128

4,289

5,791

6,415

10,278

(2,156)

4,019

18,556

(19,417)

(8,295)

(3,395)

(3,021)

(34,128)

/()

12,683

(9,754)

27,016

1,710

31,655

/()

81

(14)

(1,932)

(1,865)

1,387

1,387

3,610

/()

12,683

(8,286)

27,002

(222)

31,177

236,547

1,945,678

383,429

59,431

4,594

(63,990)

2,565,689

568,301

900,580

640,855

9,812

31,669

(22,160)

2,129,057

(. )

(. )

(. )

(.
)

(. )

(. )

31
2010 .
(. )

32,970

246,812

11,023

710

291,515

45,736

59,893

177,375

(283,004)

(37,974)

(58,802)

(55,315)

(152,091)

(18,848)

(165,600)

(98,556)

283,004

21,884

82,303

34,527

710

139,424

(172)

(95,212)

(171)

(95,555)

/
()

21,712

(12,909)

34,356

710

43,869

(6,259)

312

(5,947)

686

88

1,775

13

2,562

14,157

9,349

3,964

27,470

(7,215)

(674)

(468)

(227)

(8,584)

(649)

(649)

8,343

165

8,508

()/

(78)

137

161

4,528

4,748

8,226

9,657

12,511

4,383

34,777

(18,593)

(9,855)

(2,769)

(2,673)

(33,890)

25,957

(238,998)

49,239

2,702

(161,100)

/()

(. )

(. )


(290,550)

(1,124)

(45)

(1,408)

(2,577)

(109)

(109)

/()

25,957

(240,231)

49,194

1,294

(163,786)

243,952

1,779,516

416,700

67,029

11,215

(73,600)

2,444,812

632,079

931,481

586,930

14,800

1,038

(29,485)

2,136,843

()/

,

(. )

(. )

(. )

(.
)

(. )

(. )

31
2011 .
(. )

29,122

205,812

11,080

839

246,853

57,024

50,183

192,455

(299,662)

(42,580)

(42,910)

(48,041)

(133,531)

8,821

9,640

2,513

(4,275)

(917)

(441)

(96)

64

166

15

181

272

704

4,395

5,377

(16,666)

(160,106)

(122,890)

299,662

26,900

52,979

32,604

839

113,322

(1,215)

/
()

25,685

(1)

(64,716)

(37)

(127)

(66,095)


/()

32,567

(5,042)

712

(189)

47,227

(5,232)

69

5,238

9,083

(1,478)

4,644

17,487

(14,412)

(13,367)

(2,437)

(2,514)

(32,730)

/()

12,538

(17,193)

30,441

2,840

28,626

()/

(1,905)

21

(1,795)

(3,679)


(11,737)

20,974
(5,729)

137

(. )

(. )

(. )

(.
)

(. )

(. )

31
2010 .
(. )

3,261

3,261

/()

12,538

(15,837)

30,462

1,045

28,208

258,973

1,968,934

483,630

59,989

2,979

(86,397)

2,688,108

453,765

1,061,873

762,042

7,385

31,563

(42,266)

2,274,362


,
31 2012, 2011 2010 ., :

()/
,

138





()/
,


()/



()/
,


,

/()



,



/()

(. )

(. )


(. )

,
31 2012 .

(. )

220,064
(101,261)

11,997
(6,458)

(4)

232,061
(107,723)

(286,105)

(220)

(286,325)

(1,014)

688

(326)

3,034

568

3,610

26,796
(8,204)

674
(380)

27,470
(8,584)

(687)

38

(649)

8,501
4,455
(134,421)

7
293
7,207

8,508
4,748
(127,210)

(. )

(. )


(. )

,
31 2011 .

(. )

234,913
(124,435)

11,932
(7,951)

8
(1,145)

246,853
(133,531)

(66,201)

106

(66,095)

(5,127)

(105)

(5,232)

60

934

(8)

986

23,282
(6,935)

664
(322)

10

23,946
(7,247)

102

102

210
5,763
61,632

28
5,286

(1,135)

210
5,791
65,783



()/
,


,

/()



,



/()

(. )

(. )


(. )

,
31 2010 .

(. )

275,681
(133,177)

15,646
(9,162)

188
(9,752)

291,515
(152,091)

(96,760)

1,205

(95,555)

(5,857)

(90)

(5,947)

2,088

499

(25)

2,562

20,359
(5,550)

615
(178)

(1)

20,974
(5,729)

69

69

181
4,813
61,847

564
9,099

(9,590)

181
5,377
61,356


, .

34.

,
,
, ,
.
,
, .

,
,
, ,
.


, , ,
.

139


, .
,



.
,
,
.

,
.


, , , ,
.
,
,
:
31 2012 .
(. )

(. )

:
,


,

140

31 2011 .
(. )

(. )

31 2010 .
(. )

(. )

146,703

146,703

53,968

54,107

146,331

144,960

1,917,692

1,929,541

2,079,661

2,061,752

2,174,760

2,123,515

6,937

6,911

4,026

4,074

1,996

2,110

31 2012 . 31 2011 . 31 2010 .


(. )
(. )
(. )
:
I :
( )


()/



I

( )

II

, ,

I

7,776
194,721
225,918
(131,131)
1,315
(2,405)
10,868
307,062
5,710
1,232
66,176
73,118
380,180

7,784
194,924
202,380
23,480
1,112
(2,405)
14,729
442,004
4,866
1,239
82,947
89,052
531,056

7,786
195,024
180,609
21,879
1,074
(2,405)
14,649
418,616
5,940
1,245
92,030
99,215
517,831

2,249,073

2,379,633

2,579,090

13,65%
16,90%

18,57%
22,32%

16,23%
20,08%

, .
, 31 2012 2011 .,
,
1 2011 .

 /()
, .

 , 31 2012, 2011 2010 .,


, 50%
.
.

110,477

108,766

92,215

89,302

147,139

139,022

1,553,576

1,540,809

1,463,077

1,444,041

1,506,800

1,494,395

297,247

280,787

324,087

290,527

375,199

353,548

18,631
122,150

15,838
122,385

26,359
138,040

20,306
137,913

23,943
137,137

20,496
136,827

,
, , ,
.
()
, , , ,

.

35.

, 31 2012, 2011 2010 .,


.
,
,
:

0%
0%
20%
100%
100%
50%
100%


()

, 1
,

1

,
,
.

, ,
.


, ,
.
,
, 29,
, ,
, .

141

(,
), (,
)
(,
).

, ,
2011 2010 .


,
.
,
.

- . :
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31.
31 2012 .

,


,

,

,

(. )


(. )

(. )

1
(. )

(. )

118,822

118,822

118,822

146,703

146,703

(3,782)

142,921

1,917,692

(4,236)

1,913,456

(786,606)

1,126,850

15,682

15,682

15,682

6,937

6,937

6,937

4,831

4,831

4,831

97,241

(14,607)

82,634

(55,067)

27,567

145

31 2011 .

,


,

,

,

(. )


(. )

(. )

1
(. )

(. )

188,313

188,313

188,313

53,968

53,968

(800)

53,168

2,079,661

(16,161)

2,063,500

(972,557)

1,090,943

15,419

15,419

15,419

4,026

4,026

4,026

6,430

6,430

6,430

88,268

(7,407)

80,861

(39,127)

41,734

31 2010 .

146

,


,

,

,

(. )

223,231


(. )

(. )

1
(. )

(. )

223,231

223,231

146,331

146,331

(8,407)

137,924

2,174,760

(18,576)

2,156,184

(1,124,117)

1,032,067

16,822

16,822

16,822

1,996

1,996

1,996

6,962

6,962

6,962

102,376

(4,810)

97,566

(18,527)

79,039


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31 2012 .

(. )

26

215

92,023

24,961

1,597

118,822

95,645

11,864

15,043

8,464

15,687

146,703

2,561

1,915,131

1,917,692

7,117

2,314

6,251

15,682

180

153

4,499

1,191

914

6,937

229

57

1,647

2,898

4,831

<

31 2011 .

(. )

922

141

489

153,884

19,323

13,554

188,313

13,756

11,213

23,384

1,210

4,405

53,968

3,025

2,076,636

2,079,661

6,800

2,901

5,718

15,419

333

154

1,883

1,608

48

4,026

1,210

653

4,559

6,430

<

31 2010 .

(. )

15,831

7,042

291

164,367

13,774

21,926

223,231

40,478

36,813

30,460

3,761

34,819

146,331

3,506

2,171,254

2,174,760

5,837

5,015

5,970

16,822

154

1,132

661

49

1,996

114

314

948

5,584

6,962

, , , 18.


.
,
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.
31 2012 ., ,
, ,
10,688 . (2011 .: 800 . , 2010
.: 8,407 . ).
31 2012 ., , ,
,
(2011 .: , 2010 .: 818 . ).

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,

147

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148

1:
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5:
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1
2
3
4
5

,

31 2012 . 31 2011 . 31 2010 .


(. )
(. )
(. )
171,896
111,935
114,401
120,877
148,867
196,778
355,551
483,908
560,786
836,819
1,000,285
911,211
343,877
234,792
284,612
88,672
99,874
106,154
1,917,692
2,079,661
2,173,942

818
1,917,692
2,079,661
2,174,760


(. )
(. )

,

,
,

,

,
,

31
2012 .

(. )

6,090

146,703

123,168

383,913

1,410,611

1,917,692

15,682

15,682

6,937
4,831

6,937
4,831

(. )

31
2011 .

(. )

50,456

3,512

53,968

124,772

481,092

1,473,797

2,079,661

15,419

15,419

4,026
6,430

4,026
6,430

(. )

31
2010 .

(. )


(. )
(. )

,

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(. )

140,613


(. )
(. )

2:
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.
3:
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.

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:
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,
,
.

144,741

1,590

146,331

191,175

473,550

1,510,035

2,174,760

16,822

16,822

1,996
6,962

1,996
6,962

31 2012 ., ,
21 . (2011 .: 1,502 . ,
2010 .: 1,738 . ),
.


,
,
. Standard and Poors.
,
.

149

(. )

(. )


(. )



(. )

31 2012 .

(. )

:

()

95,995

10,430

72

106,497

176

3,647

3,823

89,548

18,245

11,029

118,822

4,153

26,941

115,339

270

146,703

1,745,551

116,015

19,544

36,582

1,917,692

14,400

812

470

15,682

6,254

350

333

6,937

3,425

1,102

302

4,831

1,959,502

173,895

150,664

36,926

2,320,987

42,186

16,037

46,482

5,772

110,477

48,349

23,191

5,819

1,553,576

66

8,806

8,877

317

5
296

65,070
108,825

294,452
1,091

81,488
455,510
(304,846)

32

11,626
25,300

297,247
18,631
40
7,477
122,150
2,118,475

,
,

150


1,476,217
,

5


2,446

17,540

35

7,178

40,662
1,586,269

373,233

(. )

:

()

,


,

,
,

(. )


(. )



(. )

31 2011 .

(. )

98,175

6,874

18

105,067

3,280

3,280

145,031

22,225

21,057

188,313

2,102

8,195

43,671

53,968

1,823,196

164,680

44,830

46,955

2,079,661

14,946

379

94

15,419

3,057

482

487

4,026

3,618

1,482

1,296

34

6,430

2,090,125

204,317

114,733

46,989

2,456,164

(. )


(. )



(. )

31 2011 .

(. )

106

37,660

37,771

233

6
410

61,496
142,821

322,194
6,000

35
97,827
533,859
(419,126)

95

30

12,716
34,273

324,087
26,359
6
4,495
138,040
2,086,050

(. )

(. )


(. )



(. )

31 2010 .

(. )

:

()

54,693

6,503

20

61,216

1,345

1,345

157,537

14,968

50,726

223,231

10,694

9,055

126,582

146,331

1,835,714

177,055

36,042

125,949

2,174,760

16,330

492

16,822

1,842

154

1,996

5,136

1,613

209

6,962

2,081,946

209,686

215,078

125,953

2,632,663

558

1,560

139,987

5,034

147,139

38,769

10,781

7,094

1,506,800

36,005

36,047

2,975

4
178

43,491
166,195

370,427
7,471

83
97,437
662,191
(447,113)

80

375,199
23,943
4
5,952
137,137
2,232,221

(. )

,

5


1,565

20,359


4,020

40,213
1,477,979

612,146

,
,


1,450,156
,

37


1,717

16,472


5,691

39,700
1,514,331

567,615

12,208
113,745

*  31 2012, 2011 2010 ., 90%


, .
, .

, ,
.

.
32,744

15

53,674

5,782

92,215

1,379,073

60,726

16,469

6,809

1,463,077

,
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151


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152


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31 2012 .
%

31 2011 .

%
%

31 2010 .

%
%

:
,


5,01

5,21

8,84

3,33

5,95

8,50

2,53

3,16

9,47

1,82

1,17

1,60

5,09

0,17

0,35

3,99

0,84

10,64

8,08

11,19

10,20

10,10

10,11

12,38

11,79

11,80

5,11

6,61

7,83

5,85

2,89

7,71

5,32

1,05

3,33

3,28

5,37

1,68

4,55

1,16

1,15

4,97

5,33

4,24

4,18

5,68

4,27

4,43

6,73

5,38

4,72

6,92

9,00

8,01

6,88

9,00

8,21

7,04

9,00

8,36

6,59

7,16

0,68

7,24

1,33

7,66

1,31

6,49

7,61

9,79

8,43

6,94

8,61

,

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153



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200
.
EaR,

, :
(EaR)

(EaR)
(EaR) 200 bp 1
(EaR) 200 bp 1

(EaR)

(4,624)
4,624

31 2011 .
(. )

(EaR)
(EaR) 200 bp 1
(EaR) 200 bp 1

31 2012 .
(. )

, ,
, ..
2009 . , ,
.

154

,
. ,

(EaR)

(EaR)
(EaR) 200 bp 1
(EaR) 200 bp 1

(1,223)
1,223

31 2010 .
(. )

1,982
(1,982)


,

( , -).

.


, .

, , ,
.

.

1 5 5
(. ) (. )
(. )

31
2012 .

(. )

1 .
(. )

13 .
(. )

3 .1
(. )

682

8,374

8,855

51,768

40,538

110,217

125,830

1,610

6,718

12,106

75

146,339

11,862

70,560

364,394

692,385

406,880

1,546,081

81

970

5,396

7,029

13,483

413

5,556

841

6,810

138,381

80,625

381,350

767,211

455,363

1,822,930


()

103,523

2,974

106,497

:


,

3,823

3,823

6,355

6,355

1,717

1,717

34,324

58,728

66,887

213,817

1,078

374,834

3,175

94

1,500

62

4,831

283,226

139,447

449,737

981,090

459,415

8,072

2,320,987

1 .
(. )

13 .
(. )

3 .1
(. )

75,525

880

5,852

28,007

110,264

143,956

197,364

581,501

122,572

100,196

1,145,589

198,547

44,863

289,782

1 5 5
(. ) (. )
(. )

31
2012 .

(. )

155

23

46,194

16

18,229

18,245

101,417

12,258

6,851

120,526

219,636

198,267

633,563

468,772

157,317

6,851

1,684,406

783

1,338

1,242

4,412

1,102

8,877

155

156

3 .1
(. )

1 5 5
(. ) (. )
(. )

31
2012 .

(. )

1 .
(. )

13 .
(. )

395,143

395,143

35

40

4,120

8,251

9,426

729

22,532

35,019

576

17,202

39,182

79,605

144,029

411,958

238,866

105,117

234

26,124

10,351

160,381

118,048

315,138

1,512

20,711

3,765

25,988

71,647

57,510

6,744

135,901

114,858

170,729

441,023

530,787

284,440

6,744

1,548,581

730

22,673

866

5,511

7,991

37,771

471,264

471,264

4,684

10,136

7,204

1,909

23,933

4,356

56

83

4,495

595,898

203,594

449,176

538,207

292,431

6,744

2,086,050

(339,538)

(100,113)

279,209

224,802

298,539

(37,959)

(96,503)

200,573

68,910

303,547

(37,959)

(134,462)

66,111

135,021

438,568


,
,


,

(1.5%)

(5.5%)

2.7%

5.5%

17.9%

7,511

2,718

23,889

27,305

12,752

7,477

622,007

208,011

649,268

473,913

158,425

6,851

2,118,475

(338,781)

(68,564)

(199,531)

507,177

300,990

(81,255)

(117,642)

(252,213)

298,439

298,046

(81,255)

145,375

(3.5%)

5,315

1 .
(. )

(8.6%)

6,304

13 .
(. )

(19.4%)

40,061

3 .1
(. )

(6.6%)

26,590

6.3%

4,751

242

1 5 5
(. ) (. )
(. )

31
2011 .

(. )

:


,

12,500

29,872

33,636

48,241

51,702

175,951

31,775

745

2,489

18,679

60

53,748

32,470

43,609

605,174

527,473

527,255

1,735,981

154

202

3,131

7,300

10,787

95

2,173

1,670

3,938

76,899

74,226

641,596

599,697

587,987

1,980,405

,


()

2,916

105,067

3,280

3,280

9,852

9,852

4,107

4,107

70,578

28,335

84,731

163,312

67

347,023

3,452

920

2,058

6,430

256,360

103,481

728,385

763,009

590,970

13,959

2,456,164

91,979
979,575

676

1 5 5
(. ) (. )
(. )

31
2010 .

(. )

1 .
(. )

13 .
(. )

3 .1
(. )

37,256

18,997

85,580

40,550

34,912

217,295

94,795

10,184

17,473

23,589

15

146,056

32,128

95,225

568,158

611,068

566,962

1,873,541

940

4,359

6,157

11,456

1,007

949

1,957

:
102,151

31
2011 .

(. )

5,002


,
,


,

1 5 5
(. ) (. )
(. )

3 .1
(. )

155

(152,671)

13 .
(. )

2,320

(451,110)

1 .
(. )

(198,897)

157

1 5 5
(. ) (. )
(. )

31
2010 .

(. )

1 .
(. )

13 .
(. )

3 .1
(. )

164,179

124,406

672,152

680,573

608,995

2,250,305


()

58,837

2,379

61,216

1,345

1,345

4,519

4,519

4,946

4,946

50,197

56,372

65,617

131,120

64

303,370

4,800

917

1,225

20

6,962

279,358

181,695

738,994

811,713

611,438

9,465

2,632,663

1 .
(. )

13 .
(. )

3 .1
(. )

1 5 5
(. ) (. )
(. )

31
2010 .

(. )

:
2,725

12,614

59,047

72,261

146,647

82,121

108,891

479,002

257,491

87,696

1,015,201

714

36,781

8,557

190,480

127,341

363,873

95

666

5,042

17,823

23,626

41,834

86,328

6,703

134,865

85,560

158,381

547,272

567,108

319,188

6,703

1,684,212


158

,
.
.

7. , , ,
, ,
, ,
, ,

.
,
.

1 5 5
(. ) (. )
(. )

31
2012 .

(. )

1 .
(. )

13 .
(. )

3 .1
(. )

75,525

880

5,852

28,007

110,264

143,956

197,364

581,501

122,572

100,196

1,145,589

155

23

46,194

198,547

44,863

289,782

16

18,229

18,245

101,417

12,258

6,851

120,526

219,636

198,267

633,563

468,772

157,317

6,851

1,684,406

783

1,338

1,242

4,412

1,102

8,877

395,143

395,143

10,017

25,275

65,512

116,308

33,621

250,733

2,051

2,474

448

28,366

2,708

36,047

474,832

474,832

2,320

155

5,002

7,477

5,551

11,935

13,019

669

31,174

5,315

6,304

40,061

26,590

4,751

242

83,263

633,214

231,339

745,380

616,082

196,791

7,093

2,429,899

5,036

344

269

303

5,952

573,030

173,134

561,012

596,446

321,896

6,703

2,232,221

(293,672)

8,561

177,982

215,267

289,542

1 .
(. )

13 .
(. )

3 .1
(. )

78,619

(33,975)

124,880

113,465

289,807

78,619

44,644

169,524

282,989

572,796

35,019

576

17,202

39,182

91,979

79,605

144,029

411,958

238,866

105,117

979,575

234

26,124

10,351

160,381

118,048

315,138

1,512

20,711

3,765

25,988

71,647

57,510

6,744

135,901

114,858

170,729

441,023

530,787

284,440

6,744

1,548,581


,
,


,

(3.0%)

1,672

5,829

(6.4%)

51,791

(10.7%)

29,357

21.8%

4,692

31
2011 .

(. )

(1.7%)

1 5 5
(. ) (. )
(. )

159

1 5 5
(. ) (. )
(. )

31
2011 .

(. )

-
.
, VR,
.
.

13 .
(. )

3 .1
(. )

730

22,673

866

5,511

7,991

37,771

471,264

471,264

11,372

29,301

70,296

148,675

52,337

311,981

4,356

56

83

4,495

7,511

2,718

23,889

27,305

12,076

676

74,175


, ,
.
.

610,091

225,477

536,157

712,278

356,844

7,420

2,448,267

1 .
(. )

13 .
(. )

3 .1
(. )

2,725

12,614

59,047

72,261

82,121

108,891

479,002

714

36,781

8,557

95

85,560

2,051

1 5 5
(. ) (. )
(. )

31
2010 .

(. )

1 .
(. )
,

160

146,647

257,491

87,696

1,015,201

190,480

127,341

363,873

666

5,042

17,823

23,626

41,834

86,328

6,703

134,865

158,381

547,272

567,108

319,188

6,703

1,684,212

2,474

448

28,366

2,708

.
. ,
,
.
31 2012 .,
:

(. ) (. )

(. )

(. )

81,606

12,596

3,148

36,047

(. )

31
2012 .

(. )

7,653

1,494

106,497

474,832

474,832

12,538

33,909

95,871

166,545

66,494

375,357

5,036

344

269

303

5,952

1,672

5,829

51,791

29,357

4,692

93,341



,
.
,

.

581,689

200,937

695,651

791,679

393,082

6,703

2,669,741



, ,
, ,
.
- ,
. -
VaR , ,
( ,
..).


()

3,823

3,823

86,107

4,736

7,888

20,091

118,822

14,384

120,046

9,836

1,108

1,329

146,703

1,001,784

888,031

7,693

20,001

183

1,917,692

12,081

3,048

551

15,682

5,175

1,378

384

6,937

2,789

1,576

435

25

4,831

1,203,926

1,031,411

28,571

50,223

6,856

2,320,987

41,172

57,150

742

11,284

129

110,477

859,581

610,077

50,563

27,969

5,386

1,553,576

5,753

3,054

66

8,877

2,437

211,866

82,553

391

297,247

17,540

1,091

18,631

35

40

7,170

18

42

203

44

7,477

33,899

88,251

122,150

967,552

971,542

133,900

39,851

5,630

2,118,475

236,374

59,869

(105,329)

10,372

1,226

161

(. )

(. )

(. ) (. )

(. )


()
4,544

(4,522)


162

3,355

4,710

1,011

61,216

1,345

1,345

162,170

32,910

9,747

12,994

5,410

223,231

9,857

118,233

12,041

3,553

2,647

146,331

891,462

1,246,378

10,579

26,029

312

2,174,760

12,671

4,151

16,822

1,491

505

1,996

4,377

1,217

92

1,267

6,962

1,126,659

1,410,903

35,814

48,553

10,734

2,632,663

1,797

140,400

4,777

125

40

147,139

784,476

635,996

60,435

22,762

3,131

1,506,800

27,561

8,481

36,047

2,473

220,977

118,542

545

32,662

375,199

16,319

7,624

23,943

5,783

132

32

5,952

(18)

18

(107,762)

105,587

(1,287)

(257)

2,384

(11,287)

11,299

12

(658)

(100,967)

105,587

(1,287)

(257)

2,418

235,716

(41,098)

258

9,085

969

(. )

(. ) (. )

(. )

31
2011 .

(. )

75,947

21,498

2,426

4,290

906

105,067

3,280

3,280

137,515

15,201

7,582

22,585

5,430

188,313

2,855

38,800

5,749

2,214

4,350

53,968

957,602

1,089,404

6,073

26,117

465

2,079,661

10,380

4,471

568

15,419

2,629

583

814

4,026

3,224

2,222

49

925

10

6,430

1,190,152

1,172,179

21,879

57,513

14,441

2,456,164

33,205

103,932

137,137

871,614

1,117,410

183,759

23,569

35,869

2,232,221

255,045

293,493

(147,945)

24,984

(25,135)

(2,652)

2,655

-:

:

30,658

55,942

5,476

39

100

92,215

882,272

485,772

58,681

30,954

5,398

1,463,077

33,182

4,445

136

37,771

2,455

214,408

79,355

231

27,638

324,087

20,359

6,000

26,359

4,289

122

83

4,495

33,734

104,306

138,040

1,006,949

870,873

143,513

31,354

33,361

2,086,050

183,203

301,306

(121,634)

26,159

(18,920)

3,275

(3,265)

10

7,509

31
2010 .

(. )

44,631

(. )

(. )

(. ) (. )

(. )

6,103

(. )

31 2011 .
:


()

22

-:

31
2012 .

(. )

7,073

(246,272)

150,613

(2,428)

77,241

(13,773)

(2,802)

5,441

89

(1,427)

1,301

1,619

(238,176)

150,702

(2,428)

75,814

(12,472)

256,664

55,317

2,757

22,556

50,679



, ,
10%,
.

-:

:

505

(503)

2,137

(222,285)

123,664

1,153

73,850

(21,481)

(6,516)

5,976

(60)

585

(15)

(1,104)

(219,069)

123,604

1,738

73,347

(21,484)

182,099

82,237

1,970

27,897

54,427

31 2010 .
:


,
. 31 2012 .
.
10%
. .


.

163

/
+10%
-10%

(8,333)

8,333

3,267

(3,267)

1,420

(1,420)

(73)

73

/
+10%
-10%

31 2011 . (. )
/
/
+10%
-10%
+10%
-10%

6,738

(6,738)

3,643

(3,643)

3,235

(3,235)

/
+10%
-10%

31 2012 . (. )
/
/
+10%
-10%
+10%
-10%

31 2010 . (. )
/
/
+10%
-10%
+10%
-10%

4,761

(4,571)

3,428

(3,428)

2,750

(2,750)

164

,
. ,
. ,
,
.
,
.
, ,

.
, ,
, . ,
,
.


,
, .
,
.



,
,
, .

, :

(CLD Corporate Loss Database);


(RSA Risk Self-Assessment);
 / / (ORAP
Operational Risk Assessment Process);
(KORC Key Operational Risk Control);
(KRI Key Risk Indicator)
-
, ,
, ,

.

37.
23 2013 .

.
,

.

165