Bank Reporting
Territory code under OKATO	Code of lending organization (branch)	
	under OKPO	Main State Registration number	Registration number (/reference number)	BIC	
45293554000	00032537	1027700132195	1481	044525225	

PROFIT AND LOSS STATEMENT OF A LENDING ORGANIZATION
as of 01.04.12
Abbreviated company name of the lending organization
OJSC Sberbank of Russia

Mail address:
19 Vavilova St., Moscow 117997
Form code under OKUD 0409102
Quarterly
RUR’000
No.
of
line	Item description	Symbols	Amounts	Total
(col.4 + col.5)	
			in rubles	in a foreign currency and precious metals in the ruble equivalent		
1	2	3	4	5	6	

1
2

3

4

5

6

7

8

9

10

11
12
13
14
15
16
17
18
19	
Chapter I. INCOME

A. From bank operations and other transactions

Section 1. Interest income

1. On loans granted to

the Ministry of Finance of Russia
Financial agencies of constituent entities
of the RF and local self-government agencies
State non-budget funds
of the Russian Federation
Non-budget funds of constituent entities
of the RF and local self-government agencies
Financial organizations owned
by the federal government
Commercial organizations owned
by the federal government
Non-profit organizations owned
by the federal government
Financial organizations owned by the state
(other than the federal government)
Commercial organizations owned by the state
(other than the federal government)
Non-profit organizations owned by the state
(other than the federal government)
Non-governmental financial organizations
Non-governmental commercial organizations
Non-governmental non-profit organizations
Sole traders
Citizens (natural persons)
Non-resident legal entities
Non-resident natural persons
Lending organizations
Non-resident banks

11101
11102

11103

11104

11105

11106

11107

11108

11109

11110

11111
11112
11113
11114
11115
11116
11117
11118
11119	

0
4,966,288

0

0

2

2,047,185

736

33,877

444,765

1,316

1,696,479
96,093,867
116,829
5,113,472
66,757,014
2,472,858
321
319,895
138,977	

0
0

0

0

0

247,184

10,127

0

4,643

0

34,828
14,525,497
0
4,798
244,594
5,377,771
32
5,573
824,668	

0
4,966,288

0

0

2

2,294,369

10,863

33,877

449,408

1,316

1,731,307
110,619,364
116,829
5,118,270
67,001,608
7,850,629
353
325,468
963,645	
	Symbols 11101-11119 total	0	180,203,881	21,279,715	201,483,596	

1
2

3

4

5

6

7

8

9

10

11
12
13
14
15
16
17	
2. From other funds placed in:

the Ministry of Finance of Russia 
Financial agencies of constituent entities
of the RF and local self-government agencies
State non-budget funds
of the Russian Federation
Non-budget funds of constituent entities
of the RF and local self-government agencies
Financial organizations owned
by the federal government
Commercial organizations owned
by the federal government
Non-profit organizations owned
by the federal government
Financial organizations owned by the state
(other than the federal government)
Commercial organizations owned by the state
(other than the federal government)
Non-profit organizations owned by the state
(other than the federal government)
Non-governmental financial organizations
Non-governmental commercial organizations
Non-governmental non-profit organizations
Non-resident legal entities
Lending organizations
Non-resident banks
Bank of Russia

11201
11202

11203

11204

11205

11206

11207

11208

11209

11210

11211
11212
11213
11214
11215
11216
11217	

0
0

0

0

0

0

0

0

0

0

163,762
0
0
0
86,522
0
0	

0
0

0

0

0

0

0

0

0

0

0
17
0
2,395,893
9,128
92,814
0	

0
0

0

0

0

0

0

0

0

0

163,762
17
0
2,395,893
95,650
92,814
0	
	Symbols 11201-11217 total	0	250,284	2,497,852	2,748,136	

1
2
3	
3. From cash in accounts held in

Bank of Russia 
Lending organizations 
Non-resident banks

11301
11302
11303	

0
1,046
0	

0
14
35,236	

0
1,060
35,236	
	Symbols 11301-11303 total	0	1,046	35,250	36,296	

1
2
3	
4. From deposits placed in

Bank of Russia
Lending organizations
Non-resident banks

11401
11402
11403	

18,798
0
0	

0
0
19,589	

18,798
0
19,589	
	Symbols 11401-11403 total	0	18,798	19,589	38,387	

1
2

3
4
5
6
7
8	
5. From investments in debentures
(less notes) of the Russian Federation
Constituent entities of the RF
and local self-government agencies
Bank of Russia
Lending organizations
Other debentures
Foreign countries
Non-resident banks
Other debentures of non-residents

11501
11502

11503
11504
11505
11506
11507
11508	

11,418,232
2,346,778

0
282,379
6,318,358
63,946
244,109
598,715	

896,543
0

0
0
0
141,504
146,127
1,733,621	

12,314,775
2,346,778

0
282,379
6,318,358
205,450
390,236
2,332,336	
	Symbols 11501-11508 total	0	21,272,517	2,917,795	24,190,312	

1
2

3
4
5
6
7
8	
6. From discounted notes of 

Federal agencies
Agencies of constituent entities of the RF 
and local self-government agencies
Lending organizations
Notes of other residents
State agencies of foreign countries
Local agencies of foreign countries
Non-resident banks
Notes of other non-residents

11601
11602

11603
11604
11605
11606
11607
11608	

0
0

0
0
0
0
0
0	

0
0

0
0
0
0
0
0	

0
0

0
0
0
0
0
0	
	Symbols 11601-11608 total	0	0	0	0	
	Section 1 total	0	201,746,526	26,750,201	228,496,727	

1
2	
Section 2. Interest income from bank operations and other transactions

1. Income from opening and maintaining bank
accounts, cash management services for clients

Fee for opening and maintaining bank accounts
Fee for cash management services

12101
12102	

3,354,617
24,732,008	

20,052
952,963	

3,374,669
25,684,971	
	Symbols 12101-12102 total	0	28,086,625	973,015	29,059,640	

1	
2. Income from purchase and sale of foreign
currency, cash and non-cash

Income from purchase and sale of foreign
currency, cash and non-cash

12201	

20,776,755	

x	

20,776,755	
	Symbol 12201 total	0	20,776,755	x	20,776,755	

1	
3. Income from the granting of bank guarantees 
and sureties

Income from the grant of bank guarantees
and sureties	

12301	

1,049,121	

71,401	

1,120,522	
	Symbol 12301 total	0	1,049,121	71,401	1,120,522	

1
2
3

4

5
6	
4. Income from other transactions

From redemption and sale of acquired claims
From transactions involving trust management
From operations in precious metals
and precious stones
From the lease of special premises
and safe deposit boxes for documents
and valuables
From transactions of financial leasing
From performance of consulting
and information services

12401
12402
12403

12404

12405
12406	

60,751
529
2,246,593

264,151

0
3,621,908	

x
0
x

0

0
254	

60,751
529
2,246,593

264,151

0
3,622,162	
	Symbols 12401-12406 total	0	6,193,932	254	6,194,186	
	Section 2 total	0	56,106,433	1,044,670	57,151,103	
	
Total for income group A "From bank operations 
and other transactions" (Sections 1-2)
	
0	
257,852,959	
27,794,871	
285,647,830	

1
2

3
4
5
6
7
8	
B. Operating income

Section 3. Income from securities transactions
less interest, dividends and revaluation

1. Income from transactions
in purchased securities

The Russian Federation
Constituent entities of the RF
and local self-government agencies
Bank of Russia
Lending organizations
Other securities
Foreign countries
Non-resident banks
Other securities of non-residents

13101
13102

13103
13104
13105
13106
13107
13108	

172,671
66,645

0
7,552
1,292,351
3,954
912
137,197	

x
x

x
x
x
x
x
x	

172,671
66,645

0
7,552
1,292,351
3,954
912
137,197	
	Symbols 13101-13108 total	0	1,681,282		1,681,282	

1	
2. Income from transactions 
in issued securities

Income from transactions in issued securities

13201	

10,882	

0	

10,882	
	Symbol 13201 total	0	10,882	0	10,882	
	Section 3 total	0	1,692,164	0	1,692,164	

1
2
3
4	
Section 4. Income from an interest 
in other organizations

1. Dividends on investments in shares of

Lending organizations
Other organizations
Non-resident banks
Other non-resident organizations

14101
14102
14103
14104	

0
6,018
0
0	

0
0
0
2,394	

0
6,018
0
2,394	
	Symbols 14101-14104 total	0	6,018	2,394	8,412	

1
2
3
4	
2. Dividends on investments in shares 
of subsidiaries and affiliates of

Lending organizations
Other organizations
Non-resident banks
Other non-resident organizations

14201
14202
14203
14204	

0
0
0
0	

0
0
0
0	

0
0
0
0	
	Symbols 14201-14204 total	0	0	0	0	

1
2
3
4	
3. Income from an interest in businesses 
(other than joint-stock companies)

Lending organizations
Non-resident banks
Other organizations
Other non-resident organizations

14301
14302
14303
14304	

0
0
0
0	

0
0
0
0	

0
0
0
0	
	Symbols 14301-14304 total	0	0	0	0	

1
2
3
4	
4. Income from an interest in subsidiaries 
and affiliates (other than joint-stock companies)

Lending organizations
Non-resident banks
Other organizations
Other non-resident organizations

14401
14402
14403
14404	

0
0
0
0	

0
0
0
0	

0
0
0
0	
	Symbols 14401-14404 total	0	0	0	0	
	Section 4 total	0	6,018	2,394	8,412	

1

2

3	
Section 5. Positive revaluation

1. Positive revaluation of securities, 
funds in foreign currencies, precious metals

Securities (balance account # 70602, 
for preparation of the annual statement -
balance account # 70702) 
Funds in foreign currencies (balance account 
# 70603, for preparation of the annual 
statement - balance account # 70703) 
Precious metals (balance account # 70604, 
for preparation of the annual statement -
balance account # 70704)

15101

15102

15103	

1,085,139

983,470,081

204,877,695	

x

x

x	

1,085,139

983,470,081

204,877,695	
	Symbols 15101-15103 total	0	1,189,432,915	x	1,189,432,915	

1
2
3
4	
2. Income from embedded derivatives 
non-detachable from the underlying contract 
(balance account # 70605, for preparation 
of the annual statement - balance account 
# 70705):

From changes in securities prices
From changes in the foreign exchange rates
From changes in the price index
From changes in other variables

15201
15202
15203
15204	

0
460,974
0
103,253	

x
x
x
x	

0
460,974
0
103,253	
	Symbols 15201-15204 total	0	564,227	x	564,227	
	Section 5 total	0	1,189,997,142	x	1,189,997,142	

1	
Section 6. Other operating income

1. Income from derivatives (balance 
account # 70613, for preparation 
of the annual statement - balance 
account # 70713):

Income from derivatives

16101	

23,501,953	

x	

23,501,953	
	Symbol 16101 total	0	23,501,953	x	23,501,953	

1
2

3	
2. Fees received

For transactions in currency valuables 
For intermediary services under broking 
and similar contracts 
Under other transactions

16201
16202

16203	

17,532
822,505

10,314,529	

2,562
9,700

868,565	

20,094
832,205

11,183,094	
	Symbols 16201-16203 total	0	11,154,566	880,827	12,035,393	

1
2
3
4
5

6	
3. Other operating income

From lease of property
From retirement (sale) of property
From write-up of fixed assets after write-down
Delivery of assets for trust management
From restoration of reserves for possible
losses, less reserves for non-credit 
contingencies 
Other operating income

16301
16302
16303
16304
16305

16306	

117,652
34,124
0
0
178,862,115

3,306,715	

0
x
x
0
x

47,154	

117,652
34,124
0
0
178,862,115

3,353,869	
	Symbols 16301-16306 total	0	182,320,606	47,154	182,367,760	
	Section 6 total	0	216,977,125	927,981	217,905,106	
	
Total for income group B "Operating income" 
Sections (3-6)
		
1,408,672,449	
930,375	
1,409,602,824	

1

2
3	
C. Other income

Section 7. Other income

1.	Fines, penalties, forfeits

From operations of raising and granting 
(placing) funds
Other bank operations and transactions 
Other (business) operations

17101

17102
17103	

604,592

3,421
9,776	

6,828

0
0	

611,420

3,421
9,776	
	Symbols 17101-17103 total	0	617,789	6,828	624,617	

1

2
3	
2. Income of previous years discovered 
in the reporting year

From operations of raising and granting 
(placing) funds
Other bank operations and transactions 
Other (business) operations

17201

17202
17203	

1,150,487

26,361
706,244	

87,610

12
48	

1,238,097

26,373
706,292	
	Symbols 17201-17203 total	0	1,883,092	87,670	1,970,762	

1
2

3

4

5	
3. Other income included in the other category

From property received free of charge 
Proceeds to compensate for losses, including 
insurance compensation from insurers
From the posting of surpluses of: 
tangible valuables 
cash
From write-off of liabilities 
and unclaimed accounts payable 
Other income
including: From restoration of reserves
for non-credit contingencies

17301
17302

17303
17304
17305

17306
17307	

0
1,666

673
18,950
3,601

30,812
0	

0
0

4
897
223

144
x	

0
1,666

677
19,847
3,824

30,956
0	
	Symbols 17301-17306 total	0	55,702	1,268	56,970	
	Section 7 total	0	2,556,583	95,766	2,652,349	
	
Total for income group C "Other income" 
(Section 7)
	
0	
2,556,583	
95,766	
2,652,349	
	Total for Chapter I "Income"(Sections 1-7)	10000	1,669,081,991	28,821,012	1,697,903,003	

1
2
3
4	
Chapter II. EXPENSES

A. From bank operations and other transactions

Section 1. Interest expenses

1. On loans received from:

Bank of Russia 
Lending organizations 
Non-resident banks 
Other creditors

21101
21102
21103
21104	

8,476,886
830,232
28,571
0	

0
23,647
1,255,603
0	

8,476,886
853,879
1,284,174
0	
	Symbols 21101-21104 total	0	9,335,689	1,279,250	10,614,939	

1

2

3

4

5

6

7
8
9
10
11
12
13
14	
2. On cash in bank accounts 
held by clients - legal entities 

Financial organizations owned 
by the federal government
Commercial organizations owned 
by the federal government
Non-profit organizations owned 
by the federal government
Financial organizations owned by the state 
(other than the federal government)
Commercial organizations owned by the state 
(other than the federal government)
Non-profit organizations owned by the state 
(other than the federal government)
Non-governmental financial organizations 
Non-governmental commercial organizations 
Non-governmental non-profit organizations 
Lending organizations 
Non-resident banks 
Sole traders
Non-resident sole traders 
Non-resident legal entities

21201

21202

21203

21204

21205

21206

21207
21208
21209
21210
21211
21212
21213
21214	

22

316,265

52,055

320

62,770

8,570

52,047
2,647,019
158,082
154,582
67,718
14,924
0
32,715	

0

2,348

510

0

0

0

124
165,004
194
900
341
25
0
20	

22

318,613

52,565

320

62,770

8,570

52,171
2,812,023
158,276
155,482
68,059
14,949
0
32,735	
	Symbols 21201-21214 total	0	3,567,089	169,466	3,736,555	

1
2

3

4

5

6

7

8

9

10

11
12
13
14
15
16
17	
3. On deposits from legal entities 

Federal Treasury
Financial agencies of constituent entities 
of the RF and local self-government agencies 
State non-budget funds 
of the Russian Federation
Non-budget funds of constituent entities 
of the RF and local self-government agencies
Financial organizations owned 
by the federal government
Commercial organizations owned 
by the federal government
Non-profit organizations owned 
by the federal government
Financial organizations owned 
by the state (other than the federal government)
Commercial organizations owned by the state 
(other than the federal government)
Non-profit organizations owned by the state 
(other than the federal government)
Non-governmental financial organizations 
Non-governmental commercial organizations 
Non-governmental non-profit organizations 
Non-resident legal entities 
Lending organizations 
Non-resident banks 
Bank of Russia

21301
21302

21303

21304

21305

21306

21307

21308

21309

21310

21311
21312
21313
21314
21315
21316
21317	

0
1,202,557

4

0

0

159,285

24,182

640

27,319

7,269

392,129
4,565,539
232,778
53,044
9
0
0	

0
0

0

0

0

12,953

0

0

98

2

22,532
3,351,737
5,071
11,916
1
0
0	

0
1,202,557

4

0

0

172,238

24,182

640

27,417

7,271

414,661
7,917,276
237,849
64,960
10
0
0	
	Symbols 21301-21317 total	0	6,664,755	3,404,310	10,069,065	

1
2

3

4

5

6

7

8

9

10

11
12
13
14
15
16
17	
4. On other funds raised from legal entities

The Ministry of Finance of Russia 
Financial agencies of constituent entities 
of the RF and local self-government agencies 
State non-budget funds 
of the Russian Federation
Non-budget funds of constituent entities
of the RF and local self-government agencies
Financial organizations owned 
by the federal government
Commercial organizations owned 
by the federal government
Non-profit organizations owned 
by the federal government
Financial organizations owned by the state 
(other than the federal government)
Commercial organizations owned by the state 
(other than the federal government)
Non-profit organizations owned by the state 
(other than the federal government)
Non-governmental financial organizations 
Non-governmental commercial organizations 
Non-governmental non-profit organizations 
Non-resident legal entities 
Lending organizations 
Non-resident banks 
Bank of Russia

21401
21402

21403

21404

21405

21406

21407

21408

21409

21410

21411
21412
21413
21414
21415
21416
21417	

0
55

1

0

0

0

0

0

0

0

119,705
0
0
0
47,940
0
2,100,679	

0
0

0

0

0

0

0

0

0

0

0
0
0
2,588,200
0
407,927
0	

0
55

1

0

0

0

0

0

0

0

119,705
0
0
2,588,200
47,940
407,927
2,100,679	
	Symbols 21401-21417 total	0	2,268,380	2,996,127	5,264,507	

1
2	
5. On cash in bank accounts held 
by individual clients

Citizens of the Russian Federation 
Non-residents

21501
21502	

1,575,791
289	

4
0	

1,575,795
289	
	Symbols 21501-21502 total	0	1,576,080	4	1,576,084	

1
2	
6. On deposits from individual clients

Citizens of the Russian Federation 
Non-residents

21601
21602	

46,338,674
100,693	

4,754,498
90,331	

51,093,172
191,024	
	Symbols 21601-21602 total	0	46,439,367	4,844,829	51,284,196	

1
2	
7. On other funds raised from individual clients

Citizens of the Russian Federation 
Non-residents

21701
21702	

0
0	

0
0	

0
0	
	Symbols 21701-21702 total	0	0	0	0	

1
2
3
4	
8. On issued debentures, including 

Bonds
Certificates of deposit 
Savings certificates 
Notes

21801
21802
21803
21804	

0
5,068
126,796
318,993	

0
0
0
350,282	

0
5,068
126,796
669,275	
	Symbols 21801-21804 total	0	450,857	350,282	801,139	
	Section 1 total	0	70,302,217	13,044,268	83,346,485	

1	
Section 2. Other expenses on bank operations 
and other transactions

1. Expenses on purchase and sale 
of foreign currency, cash and non-cash

Expenses on purchase and sale 
of foreign currency, cash and non-cash

22101	

24,678,912	

x	

24,678,912	
	Symbol 22101 total	0	24,678,912	x	24,678,912	

1
2
3	
2. Expenses on other transactions, including

Redemption and sale of acquired claims
Trust management of assets 
Operations in precious metals 
and precious stones

22201
22202
22203	

0
46
640,840	

x
0
x	

0
46
640,840	
	Symbols 22201-22203 total	0	640,886	0	640,886	
	Section 2 total	0	25,319,798	0	25,319,798	
	
Total for expense group A "On bank operations
and other transactions" (Sections 1-2)
	
0	
95,622,015	
13,044,268	
108,666,283	

1
2

3
4
5
6
7
8
9	
B. Operating expenses

Section 3. Expenses on securities transactions 
less interest, dividends and revaluation

1. Expenses on transactions 
in acquired securities of

The Russian Federation
Constituent entities of the RF 
and local self-government agencies
Bank of Russia
Lending organizations
Other securities
Foreign countries
Non-resident banks
Other securities of non-residents
Expenses of professional players 
of the securities market related to purchase 
and sale of securities (less the cost 
of consulting and information services)

23101
23102

23103
23104
23105
23106
23107
23108
23109	

123,190
62,833

0
10,293
133,248
92,548
469,306
200,069
0	

x
x

x
x
x
x
x
x
0	

123,190
62,833

0
10,293
133,248
92,548
469,306
200,069
0	
	Symbols 23101-23109 total	0	1,091,487	0	1,091,487	

1	
2. Expenses on transactions 
in issued securities

Expenses on transactions in issued securities

23201	

0	

0	

0	
	Symbol 23201 total	0	0	0	0	
	Section 3 total	0	1,091,487	0	1,091,487	

1

2

3	
Section 4. Negative revaluation

1. Negative revaluation of securities, 
funds in foreign currencies, precious metals

Securities (balance account # 70607, 
for preparation of the annual statement -
balance account # 70707) 
Funds in foreign currencies (balance account 
# 70608, for preparation of the annual 
statement - balance account # 70708) 
Precious metals (balance account # 70609, 
for preparation of the annual statement -
balance account # 70709)

24101
24102
24103	

37,520

989,565,249

205,766,266	

x

x

x	

37,520

989,565,249

205,766,266	
	Symbols 24101-24103 total	0	1,195,369,035	x	1,195,369,035	

1
2
3
4	
2. Expenses on embedded derivatives 
non-detachable from the underlying contract 
(balance account # 70610, for preparation 
of the annual statement - balance account 
# 70710):

On changes in securities prices
On changes in the foreign exchange rates
On changes in the price index
On changes in other variables

24201
24202
24203
24204	

0
792,181
0
33,503	

x
x
x
x	

0
792,181
0
33,503	
	Symbols 24201-24204 total	0	825,684	x	825,684	
	Section 4 total	0	1,196,194,719	x	1,196,194,719	

1	
Section 5. Other operating expenses

1. Expenses on derivatives (balance account 
# 70614, for preparation of the annual 
statement - balance account # 70714):

Income from derivatives

25101	

13,394,000	

x	

13,394,000	
	Symbol 25101 total	0	13,394,000	x	13,394,000	

1
2

3

4
5

6	
2. Fees paid

For transactions in currency valuables
For cash management services and maintenance
of bank accounts
For money transfer services, incl. services 
of payment and settl. systems
For guarantees and surety received
For intermediary services under broking
and similar contracts
Under other transactions

25201
25202

25203

25204
25205

25206	

0
24

1,488,739

0
10,489

241,738	

571
9,256

450,933

0
0

250,205	

571
9,280

1,939,672

0
10,489

491,943	
	Symbols 25201-25206 total	0	1,740,990	710,965	2,451,955	

1
2

3	
3. Other operating expenses, including

Delivery of assets for trust management 
Deductions to reserves for possible losses
less reserves for non-credit contingencies 
Other operating expenses

25301
25302

25303	

0
189,399,940

3,889,971	

0
x

30,353	

0
189,399,940

3,920,324	
	Symbols 25301-25303 total	0	193,289,911	30,353	193,320,264	
	Section 5 total	0	208,424,901	741,318	209,166,219	

1

2

3

4	
Section 6. Expenses on support of operations 
of the lending organization

1. Labor costs

Cost of remuneration, including bonuses 
and compensation
Taxes and charges deducted from the salary 
and paid by employers under laws 
of the Russian Federation 
Expenses related to personnel relocation 
(other than labor costs) 
Other costs of maintaining personnel

26101

26102

26103

26104	

31,296,587

7,253,283

123

301,970	

9,178

0

0

0	

31,305,765

7,253,283

123

301,970	
	Symbols 26101-26104 total	0	38,851,963	9178	38,861,141	

1

2

3
4	
2. Depreciation of

Fixed assets, less property temporarily 
not used for core operations
Fixed assets obtained on terms 
of financial leasing
Intangible assets
Property temporarily not used 
for core operations

26201

26202

26203
26204	

7,505,491

0

82,334
0	

x

x

x
x	

7,505,491

0

82,334
0	
	Symbols 26201-26204 total	0	7,587,825	x	7,587,825	

1

2

3
4

5
6
7	
3. Expenses related to upkeep (operation)
of property and its retirement, including

Cost of repair of fixed assets 
and other property
Cost of upkeep of fixed assets and other 
property (including utility expenses)
Rent for leased fixed assets and other property
Fee for the right to use intellectual 
property items
Write-off of the value of stocks 
Write-down of fixed assets 
Retirement (sale) of property

26301

26302

26303
26304

26305
26306
26307	

245,014

2,935,263

1,538,391
872,468

931,249
0
1,516,435	

87

944

4,430
1,692

x
x
x	

245,101

2,936,207

1,542,821
874,160

931,249
0
1,516,435	
	Symbols 26301-26307 total	0	8,038,820	7,153	8,045,973	

1
2
3
4
5
6

7
8
9
10
11

12	
4. Organization and administrative expenses

Training and retraining of staff
Business trips
Security guard
Advertising
Entertainment expenses
Communication, telecom and information 
systems services
Court and arbitration costs
Audit
Publication of reports 
Insurance
Taxes and charges included in expenses 
under laws of the Russian Federation
Other organization and administrative expenses

26401
26402
26403
26404
26405
26406

26407
26408
26409
26410
26411

26412	

42,421
317,248
676,022
944,569
19,766
1,318,299

26,317
8,000
0
5,889,857
3,676,360

1,858,076	

8,896
2,198
193
5,613
361
11,548

0
0
0
0
86,281

342,577	

51,317
319,446
676,215
950,182
20,127
1,329,847

26,317
8,000
0
5,889,857
3,762,641

2,200,653	
	Symbols 26401-26412 total	0	14,776,935	457,667	15,234,602	
	Section 6 total	0	69,255,543	473,998	69,729,541	
	
Total for expense group B "Operating expenses"
Sections (3-6)
	
0	
1,474,966,650	
1,215,316	
1,476,181,966	

1

2
3	
C. Other expenses

Section 7. Other expenses

1. Fines, penalties, forfeits

Operations of raising and granting 
(placing) funds
Other bank operations and transactions 
Other (business) operations

27101

27102
27103	

35,615

7
15,190	

0

0
3	

35,615

7
15,193	
	Symbols 27101-27103 total	0	50,812	3	50,815	

1

2
3	
2. Expenses of previous years discovered 
in the reporting year

Operations of raising and granting 
(placing) funds
Other bank operations and transactions 
Other (business) operations

27201
27202
27203	

202,390

179,475
292,903	

1,304

2,082
490	

203,694

181,557
293,393	
	Symbols 27201-27203 total	0	674,768	3,876	678,644	

1
2
3

4

5
6

7

8	
3. Other expenses included in other categories

Payments to compensate for losses incurred 
Write-off of the shortage of stocks 
Write-off of the shortage of cash, amounts 
of bills that have signs of forgery
Write-off of assets (claims) and unclaimed 
accounts receivable 
Charity expenses and other similar expenses
Expenses to hold sporting events, recreation, 
cultural and educational events 
and other similar events
Expenses resulting from force majeure 
in business operations 
Other income
including: Deductions to reserves 
for non-credit contingencies

27301
27302
27303

27304

27305
27306

27307

27308
27309	

7,793
0
0

241

183,932
168,964

0

667,614
0	

0
0
0

0

47,231
10,689

0

74
x	

7,793
0
0

241

231,163
179,653

0

667,688
0	
	Symbols 27301-27308 total	0	1,028,544	57,994	1,086,538	
	Section 7 total	0	1,754,124	61,873	1,815,997	
	
Total for expense group C "Other expenses" 
(Section 7)
	
0	
1,754,124	
61,873	
1,815,997	
	Expenses in Sections 1-7 total	0	1,572,342,789	14,321,457	1,586,664,246	
	
Profit before tax (symbol 10000 minus line "Sections 1-7 total expenses")
	
01000	
x	
x	
111,238,757	
	
Loss before tax (line "Sections 1-7 
total expenses" minus symbol 10000)
	
02000	
x	
x	
0	

1	
Section 8. Profit tax (balance account 
# 70611, for preparation of the annual 
statement - balance account # 70711)

Profit tax

28101	

13,837,808	

x	

13,837,808	
	Section 8 total	0	13,837,808	x	13,837,808	
	Chapter II "Expenses" total (Sections 1-8)	20000	1,586,180,597	14,321,457	1,600,502,054	

1

2

1

2	
III. FINANCIAL RESULT
after tax and its utilization

Section 1. Financial result after tax

Profit after tax (symbol 01000 
minus symbol 28101)

Loss after tax (symbol 02000 plus symbol 
28101 or symbol 28101 minus symbol 01000)

Section 2. Payments from profit after tax 
(balance account # 70612, for preparation 
of annual statement - balance account # 70712)

Allocations made to shareholders (members) 
as dividends

Deductions to create and replenish 
the reserve fund

31001

31002

32001

32002	

x

x

0

0	

x

x

x

x	

97,400,949

0

0

0	
	Section 2 total	32101	0	x	0	

1

2	
Section 3. Financial result per statement

Unused profit (symbol 31001 minus symbol 32101)

Loss (symbol 31002 plus symbol 32101 
or symbol 32101 minus symbol 31001)

33001

33002	

x

x	

x

x	

97,400,949

0	

Reference section

RUR’000	
No. of
line	
Description of the figure	
Amount	
1	2	3	
1	Business development expenses, total, including:	0	
1.1	labor costs, including bonuses and compensation (part of symbol 26101)	0	
1.2	taxes and charges deducted from the salary and paid by employers under laws 
of the Russian Federation (part of symbol 26102)	0	
1.3	expenses related to personnel relocation (less labor costs) (part of symbol 26103)	0	
1.4	other costs of maintaining personnel (part of symbol 26104)	0	
1.5	depreciation of fixed assets (part of symbol 26201)	0	
1.6	depreciation of fixed assets obtained on terms of financial leasing (part of symbol 26202)	0	
1.7	depreciation of intangible assets (part of symbol 26203)	0	
1.8	cost of repair of fixed assets and other property (part of symbol 26301)	0	
1.9	cost of the upkeep of fixed assets and other property (including utility expenses) 
(part of symbol 26302)	0	
1.10	cost of rent for leased fixed assets and other property (part of symbol 26303)	0	
1.11	cost of write-off of stocks (part of symbol 26305)	0	
1.12	cost of staff training and retraining (part of symbol 26401)	0	
1.13	cost of business trips (part of symbol 26402)	0	
1.14	cost of security guard (part of symbol 26403)	0	
1.15	advertising costs (part of symbol 26404)	0	
1.16	entertainment costs (part of symbol 26405)	0	
1.17	cost of communications, telecom and information systems services (part of symbol 26406)	0	
1.18	insurance costs (part of symbol 26410)	0	
1.19	other organization and administrative costs (part of symbol 26412)	0	

Deputy Chairman
of the Management Board of OJSC Sberbank of Russia	B.I. Zlatkis

Chief Accountant of Sberbank of Russia - Director of the Accounting and Reporting
Department	A.V. Kruzhalov

/Seal/

Executed by: T.M. Zuykova
Telephone: 957-54-61

05.04.2012

Form checksum: 28407
Program version (.EXE): 18.03.2010
Descriptor version (.PAK): 29.02.2012