| Item | 2005 | 2004 |
². OPERATING ACTIVITIES
|
|
|
Interest income earned
|
338 152
|
264 528
|
Interest expenses paid
|
(259 511)
|
(156 687)
|
Commission income earned
|
99 447
|
57 574
|
Commission expenses paid
|
(9 611)
|
(11 591)
|
Received dividends from investments in associated companies
|
0
|
3
|
Other income earned
|
1 856
|
705
|
Other expenses paid
|
(68 453)
|
(54 653)
|
| Realised trading operation results |
28 638
|
24 254
|
Previously written-off assets returned
|
24
|
93
|
Payments to the bank employees
|
(67 386)
|
(42 991)
|
| Profit tax paid |
(2 294)
|
(933)
|
Net cash income from the bank current operations
|
69 711
|
80 302
|
Increase (decrease) in funds with other banks, loans and advances to other banks
|
(13124)
|
28 619
|
Increase (decrease) in customer loans
|
(1 485 395)
|
(542 988)
|
Increase (decrease) in other assets
|
3 070
|
15 725
|
Increase (decrease) in cash received from the National Bank of Ukraine
|
0
|
0
|
Increase (decrease) in funds from other banks
|
251 858
|
12 300
|
Increase (decrease) in funds on current and deposit accounts
|
1 545 347
|
405 062
|
| Increase (decrease) in funds received against savings (deposit) certificates |
3 138
|
(86 733)
|
Increase (decrease) of other liabilities
|
4 057
|
(4 176)
|
Disposal (acquisition) of securities in the trade portfolio, the bank portfolio available for sale
|
(255 226)
|
115 069
|
Net increase (decrease) in assets and liabilities generated by operating activities
|
(73 275)
|
(57 122)
|
| Net cash inflow (outflow) generated by operating activities |
(3 564)
|
23 180
|
II. INVESTMENT ACTIVITIES
|
|
|
Redemption (acquisition) of maturing securities in the bank portfolio
|
203
|
13 937
|
Increase (decrease) in investments in associated companies
|
0
|
0
|
Increase (decrease) in investments in subsidiary companies
|
0
|
0
|
Increase (decrease) in fixed and intangible assets
|
(34 152)
|
(34 615)
|
Net cash outflow related to investing activities
|
(33 949)
|
(20 678)
|
²²². FINANCING ACTIVITIES
|
|
|
Increase (decrease) in own debt securities
|
2 242
|
(13 063)
|
Increase (decrease) in subordinated liabilities
|
0
|
85 000
|
| Increase (decrease) in paid-up share capital |
282 755
|
0
|
Dividends paid out during the reporting period
|
(370)
|
(100)
|
Net cash inflow from financing activities
|
284 627
|
71 836
|
Net increase (decrease) in cash and cash equivalents
|
247 114
|
74 338
|
Cash and equivalents at the beginning of the year
|
339 535
|
265 036
|
Cash and equivalents at the year-end
|
586 615
|
339 535
|
| IV. Effect of changes in exchange rates |
34
|
(161)
|
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