Sberbank - reported net profit to Russian Statistical Bureau ( 2004 ) of RUB 31.5bn ( $ 434 m ) , up from RUB 7.5bn ( $ 380 m ) 2003 ; bad loans increased by 0.4 % to 3.7 % .
Sberbank - February net profit to Russian Accounting Standards (RAS) of RUB 31.5bn ($434m), up from RUB 7.5bn ($103.54m) YoY; bad loans increased by 0.4% to 3.7%.