Progress and growth

Financial Results, USD million
	2004	2005	2006	2007	2008	2009	1H2010
RUB/USD exch.rate	27.75	28.78	26.33	24.55	29.38	30.24	31.19
Total Assets	455	690	1 219	2 103	1 947	1 850	1796
Shareholder's Equity	109	110	165	244	238	260	265
Net Profit	14.4	31.7	39.1	31.4	38.7	37.6	13.1
Cost/Income Ratio	37%	25.3%	31.3%	48.8%	53.2%	39.9%	39.1%
Overdue/Gross Loans	0.01%	0.02%	0.16%	0.20%	1.20%	6.7%	6.3%