Fact sheet FY 2012 ENG

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Fact sheet FY 2012 ENG

  1. 1. Fact sheet Money does not build a bank, relationships doBank Vozrozhdenie has a history dating back to April 1991. Most of the current management teamhas been with the bank for more than 15 years, many – since its inception in 1991, havingweathered several crises in the banking system. Now we are one of the leading banks in Russiaranked 29th by assets, 25rd by loan portfolio and 17th by retail deposits. The banks keyoperations are in loans to SMEs (50% of total loans), consumer lending, mortgages and bankingcards (21%). IR Contacts:Our distribution network spans 149 outlets and about 838 ATMs covering 21 regions of Russiawith main focus on Moscow region, South and North-West of Russia. Serving around 61,400 E-mail: investor@voz.rucorporate clients and 1.5 million retail clients we concentrate on our key strengths - strong fee-income generation capacity (actually one of the highest share of fees in operating income among Yulia VinogradovaRussian banks) and higher margin-SME and mortgage lending as well as stable funding from E-mail: Yu.Vinogradova@voz.rucustomer deposits. Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52Bank Vozrozhdenie is listed on the Moscow Stock Exchange (ticker VZRZ, pref - VZRZP) and thebank’s DR-program is developed on the Stuttgart stock exchange. Elena MironovaBank has been publishing financials under Russian Accounting Standards and International E-mail: E.Mironova@voz.ruFinancial Reporting Standards since 1991. Our external auditor is PricewaterhouseCoopers Audit. Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52The bank’s long-term ratings are: Moody’s Ba3, Standard & Poor’s BB-.The main shareholders of the bank are: Maria Gorbunova Market position* E-mail: M.Gorbunova@voz.ruDmitry Orlov, Chairman of the Board of Directors (32,02%), 4th by loans to the SME sector Tel: +7 (495) 620-90-71Otar Margania, Member of the Board of Directors (19,67%), 8th by mortgages issued 17th by individual deposits Fax: +7 (495) 620-19-52JPM International Consumer Holding Inc. (9,88%). 19th by size of the ATM network* - according to RBC rating agency 22st by corporate loans www.vbank.ru 1
  2. 2. Fact sheet Money does not build a bank, relationships doKey balance 2012 2011 2010 Key income 2012 2011 2010 Share price performancesheet statementnumbers, Ru numbers,b mln Rub mln Shares RoublesAssets 209 062 183 888 166 158 NII 9 058 7 456 5 491 100,000 1,800Loan book 141 662 124 383 104 046 Net fees 5 061 4 822 3 935 10,000 1,440Corporate 1,000 1,080 79% 82% 85% Other income 674 611 473loans, % 100 720Retail loans,% 21% 18% 15% Provisions (2 722) (2 304) (1 872) 10 360Customer Operating 163 876 145 142 130 334 (8 652) (8 353) (7 180)accounts expenses 1 0Equity Net profit 2 331 1 594 581 1/1/12 1/3/12 1/5/12 1/7/12 1/9/12 1/11/12 1/1/13 20 807 18 462 16 860 Volume Last priceKey balance 2012 2011 2010 Key ratios 2012 2011 2010 Average daily trading volumessheet ratiosLoans to NIM 4.7% 4.3% 3.6% 2012 2011 2010 95% 95% 88%Deposits Cost of riskCapital 1.8% 1.8% 1.8% 14.9% 13.8% 15.2% (annualized) Moscow StockAdequacy Exchange (Rub bln) 1.0 1.4 1.8 Cost to Income 58.5% 64.8% 72.5%Leverage 10.0% 10.0% 10.1% Earnings per 2012 2011 2010(equity/assets) ROA 1.2% 0.91% 0.38% shareCustomerfunds to 87.1% 87.7% 87.3% ROE 11.9% 9.1% 3.5% EPS, Roubles 93 64 23liabilities 2

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