The explanatory note to the accounting report of the open joint-stock company "Sibirtelecom" for 2002 (стр. 9 )

Credits and loans

Table No 18.1

Name of supplier/ creditor	Date of making the contract	Currency of credit or loan (rubles, dollars US and others)	Main sum of credit thousand rubles	Loan interest rate	Frequency of paying interests (monthly, ounce a quarter, annually)	Received in 2002 thousand rubles (*	Accrued interest (%) thousand rubles (*	Payment of credit in the course of year (*main sum thousand rubles	Paid interests (%) thousand rubles	Sum of debt on December 31st, 2002	Cost of loan guarantee on December 31st, 2002 thousand rubles
		Main sum thousand rubles	Interests (%) thousand rubles
1	2	3	4	5	6	7	8	9	10	11	12	13
1. Bank credits кредиты
BBL bank	Credit contract signed on September 9th, 1997	EUR		5,94	Half a year	20 469	6 470	35 901	5 694	77 124	776
Joint-stock commercial bank Promctroybank	June 6th, 1999	Ruble	50 000	21	Ounce a quarter	2 500	10 500	2 500	11 284	50 000	262
GUTA-BANK	No 039 July 27th, 2002	Ruble	90 000	19	Monthly	89380	606	89380	606	0	0
Bank КВС	Credit contract signed on June 28th, 2001	EUR		5,54	Half a year	51 973	8 634	19 331	7 043		1 600
Krosno bank	No 40 November 10th, 2000	Ruble	41 000	25	Monthly	1 000	360	41 000	580	0	0
Joint-stock commercial bank "Kuzbassugolbank"	No 3945923 November 20th, 2002	Ruble		28	Monthly		17 145	59 744	13 348	68 380	3 797
The open joint-stock company "Alfa-Bank"	No 1173 January, 31st, 2002	Ruble	7000	20	Monthly	57 882	161	57882	161	0
The open joint-stock company "Alfa-Bank"	No 1178 April 16th, 2002	Ruble	6780	21	Monthly	60 731	302	60731	302
The open joint-stock company "Alfa-Bank"	No 1184 (overdraft)July 17th, 2002	Ruble	7000	20	Monthly	60676	130	60676	130
The open joint-stock company "Alfa-Bank"	No 2395 July 2002	Ruble	7000	21	Monthly	51000	229	40000	191	11 000	38
The open joint-stock company "Alfa-Bank" Irkutsk branch	No 1874 March 18th, 2002	USD		7	Monthly		7 738	5 653	7 580		158
The open joint-stock company "Alfa-Bank"	No212/КЛ-2002 June 24th, 2002	Ruble	70 600	19,5	Monthly	70 600	1 049	59 600	1 049	11 000
The open joint-stock company "Uralo-Sibirskiy Bank"	No 0234 August 18th, 2000	USD	92 175	13	Monthly	7 590	6 338	44 847	6 272	30 725	66
The open joint-stock company "Alvtobank"	No К-221 November 30th	Ruble	85 209	19	Monthly	85 209	778	85 737	778	3 777	0
Joint-stock commercial bank Sberegatelniy bank of Russia Federation	No106 August 19th, 2002	Ruble		19	Monthly		15 888	0	14 522		1 366
Joint-stock commercial bank Sberegatelniy bank of Russia Federation	No145 October 14th, 2002	Ruble		18	Monthly		3 713	0	2 842		871
Sibregionbank	No 38 June 2002	Ruble	10000	21	Monthly	10000		10000		0		10 200
Joint-stock commercial bank Sberegatelniy bank of Russia Federation	No 258 November, 2002	Ruble	40 000	20	Monthly	40 000	679	0	679	40 000		52 518
Commodity credits of equipment suppliers
"Alkatel Bell"	No 3615 July 30th 1996	EUR		6,6	Half a year	10 504	4 152	23 247	3 368	38 219	784
"Alkatel Bell"	No С 3705 April 26th, 2000	EUR	38 714	0		661	0	13 051	0	0
"Alkatel Bell"	No С 3757 March 12th, 2001	EUR	20 609	0		356	0	8 601	0	0
"Alkatel Bell"	No 3796 April 27th 2002	EUR	9 027	0		8 711	0	5 100	0	3 611
"Alkatel Bell"	No С 3723S April 14th	EUR.	45 541	0		3 581	0	10 570	0	519	0
"Alkatel Bell"	No С 3781S June 14th, 2001	EUR	61 814	0		20 667	0	22 161	0	28 324	0
"Alkatel Bell"	No С 3814S April 27th, 2002	EUR	70 519	0		55 518	0	33 382	0	22 136
"Ericsson Nicola Tecla"	No ЕТК/Е/0-00:183 May 22nd, 2000	USD	16 758	8		503	229	8 849	229	0
"Ericsson Nicola Tecla"	No December 12th, 1994	USD		0		177	0	2 975	0	0
"Ericsson Nicola Tecla"	No October 5th, 1994	USD		0		994	0	137	0	16 552
"Ericsson Nicola Tecla"	No ЕТК/Е/ЕС 96:155 June 21st, 1998	USD	33 076	0		988	0	1 894	0	17 436
IskraTEL	No 12/ 457	USD	8 896	0		19 130	0	15 970	0	3 160
IBC Holding (CY) Ltd	No CY//1/13 October 8th, 1998	USD	45 629	7		901	819	18 175	1 624	0
"Urtel S. A."	No756//00107/00015 January 1st, 1997	USD	29 559	0		9 871	0	23 486	0	3 973
Vneshekonombank	No 69/276	EUR	63 987	0		12 538	0	3 298	0	44 886
ITALTEL	No 4068512 September 9th, 1994	USD		0		10 197	0		0	0
The open joint-stock company "Alfa-Bank"	No КЕМ1112/7 December 11th, 2001	USD	51 802	7		2 440	2 935	17 264	2 935	32 933
The open joint-stock company "Alfa-Bank"	No КЕМ1112/92230 December 11th, 2001	USD	38 999	7		1 822	2 211	13 010	2 211	24 767
The open joint-stock company "Alfa-Bank"	December 27th, 2002	USD		7		0	2 256		2 256	0
The open joint-stock company "RTK-Leasing"	No 482-204/02 June 24th, 2002	Ruble	24 085			24 085		0	0	24 085
The open joint-stock company "RTK-Leasing"	No 483-204/02 June 28th, 2002	Ruble	31 962			31 960	0	0	0	31 960
The open joint-stock company "RTK-Leasing"	No 486-204/02 July 8th, 2002	Ruble	11 342			11 342	0	0	0	11 342
The open joint-stock company "RTK-Leasing"	No 171-204/01 November 2nd, 2001	Ruble	22 275	0		22 275	0	8 931	0	13 343
The open joint-stock company "RTK-Leasing" Novosibirsk	No 367 June 28th, 2002	Ruble	33 744			33 744				33 744
Simence	No 5501-06	EUR	0	0		5 706	0	30 356	0	0
Simence	No 4038502 January 19th, 1996	USD	40 715	7		31 932	8 874	31 932	8 874	0
GERMES	No 9/ June 27th, 1998	EUR	2 704			0	0	16 619	0	65 052
TSER, Ltd	2001	EUR	331			0	0	5 480	0	3 262

(* - Including the companies joined the main company from January 1st, 2002 to December 31st, 2002