Fact sheet 6M 2013 ENG
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Fact sheet 6M 2013 ENG

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Fact sheet 6M 2013 ENG Fact sheet 6M 2013 ENG Presentation Transcript

  • Fact sheet Money does not build a bank, relationships do Bank Vozrozhdenie has a history dating back to April 1991. Most of the current management team has been with the bank for more than 15 years, many – since its inception in 1991, having weathered several crises in the banking system. Now we are one of the leading banks in Russia ranked 28th by assets, 23rd by loan portfolio and 19th by retail deposits. The bank's key operations are in loans to SMEs (47% of total loans), consumer lending, mortgages and banking cards (22%). Our distribution network spans 142 outlets and about 850 ATMs covering 21 regions of Russia with main focus on Moscow region, South and North-West of Russia. Serving around 63,400 corporate clients and 1.7 million retail clients we concentrate on our key strengths - strong feeincome generation capacity (actually one of the highest share of fees in operating income among Russian banks) and higher margin-SME and mortgage lending as well as stable funding from customer deposits. Bank Vozrozhdenie is listed on the MICEX (ticker VZRZ, pref - VZRZP). Bank has been publishing financials under Russian Accounting Standards and International Financial Reporting Standards since 1991. Our external auditor is PricewaterhouseCoopers Audit. The bank’s long-term ratings are: Moody’s Ba3, Standard & Poor’s BB-. The main shareholders of the bank are: Dmitry Orlov, Chairman of the Board of Directors (32.03%), Otar Margania, Member of the Board of Directors (19.67%), JPM International Consumer Holding Inc. (9.88%). * - according to RBC rating agency Market position* 6th by loans to the SME sector 9th by mortgages issued 19th by individual deposits 19th by size of the ATM network 21st by corporate loans IR Contacts: Yulia Vinogradova E-mail: Yu.Vinogradova@voz.ru Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52 Elena Mironova E-mail: E.Mironova@voz.ru Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52 Maria Gorbunova E-mail: M.Gorbunova@voz.ru Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52 www.vbank.ru 1
  • Fact sheet Money does not build a bank, relationships do Key balance sheet numbers, Rub mln Assets 6M 2013 216,168 2012 209,062 2011 183,888 Key income statement numbers, Rub mln 6M 2013 2012 2011 NII 4,417 9,058 Share price performance 7,456 Shares Roubles 800 10000 Loan book 150,019 78% Retail loans,% 22% Equity 124,383 Net fees 2,322 5,061 4,822 600 1000 Corporate loans, % Customer accounts 141,662 79% 82% Other income 418 674 611 400 100 169,310 21% 163,876 18% Provisions (2,275) (2,722) (2,304) 145,142 Operating expenses Net profit 521 2,331 1,594 200 10 (4,226) (8,652) (8,353) 1 21,351 20,807 18,462 Key balance sheet ratios 6M 2013 2012 2011 Key ratios 6M 2013 2012 2011 Loans to Deposits 99% 95% 95% NIM 4.2% 4.7% 14.6% 14.9% 13.8% Cost of risk (annualized) 2.8% 1.8% 1.8% Leverage (equity/assets) Cost to Income 59.0% 10.1% 10.0% 10.0% 0 02.10.12 4.3% Capital Adequacy 02.07.12 58.5% Volume 86.9% 87.1% 87.7% 02.04.13 02.07.13 Last price Average daily trading volumes 6M 2013 MICEX (Rub bln) 2012 2011 0.6 1.0 1.4 6M 2013 2012 2011 41.6 93 64 64.8% ROA Customer funds to liabilities 02.01.13 0.5% 1.2% 0.91% Earnings per share ROE 4.9% 11.9% 9.1% EPS, Roubles 2