JSC "Zepter Bank". Balance Sheet and Proft and Loss Statement as of 1 October 2021

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BALANCE SHEET
in thou rubles (BYN)
Articles of 1 October 2021 of 1 January 2021
ASSETS
Monetary funds 1,993 2,315
Precious metals and precious stones 0 0
Funds in the National Bank of the Republic of Belarus 15,685 13,810
Funds in banks functioning in the Republic of Belarus 13,276 20,637
Securities 7,588 7,827
Credits to clients 84,166 105,105
Derivative financial assets 0 0
Long-term financial investments 0 0
Fixed assets and intangible assets 14,736 15,290
Interest-bearing investments in fixed assets 2,107 2,142
Property for sale 8,901 10,749
Deferred tax assets 0 0
Other assets 2,942 3,028
TOTAL assets 151,394 180,903
LIABILITIES
Funds of the National Bank of the Republic of Belarus 4,527 0
Funds of banks functioning in the Republic of Belarus 2,733 6,146
Clients' funds 90,267 121,624
Securities 5,943 5,391
Derivative financial liabilities 0 0
Deferred tax liabilities 0 0
Other liabilities 615 793
Total liabilities 104,085 133,954
EQUITY CAPITAL
Authorized capital 18,817 18,817
Issue profit 0 0
Surplus capital 1,497 1,495
Balance sheet revaluation funds 11,204 11,342
Accumulated profit 15,791 15,295
Total equity capital 47,309 46,949
Total liabilities and equity capital 151,394 180,903

PROFIT AND LOSS STATEMENT
in thou rubles (BYN)
Articles of 1 October 2021 of 1 October 2020
Interest income 6,014 6,058
Interest expenses 3,100 2,635
Net interest income 2,914 3,423
Commission income 1,481 1,256
Commission expenses 271 288
Net commission income 1,210 968
Net income from precious metals and precious stones transactions 0 0
Net income from transactions involving securities 22 -41
Net income from foreign exchange transactions 1,114 722
Net income from transactions involving financial derivatives 1 0
Net transfers for reserves -335 470
Other income 2,510 1,235
Operational expenses 7,391 5,775
Other expenses 275 392
Profit (Loss) before taxation 440 -330
Expense (revenue) on income tax 80 0
Profit (Loss) 360 -330