Progress and growth

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