1
Fact sheet
Money does not build a bank, relationships do
IR Contacts:
E-mail: investor@voz.ru
Web-site: www.vbank.ru
Ele...
2
Fact sheet
Money does not build a bank, relationships do
Key balance
sheet
numbers,
Rub mln
3M
2014
2013 2012
Assets 210...
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Factsheet q1 2014_eng

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Factsheet q1 2014_eng

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Factsheet q1 2014_eng

  1. 1. 1 Fact sheet Money does not build a bank, relationships do IR Contacts: E-mail: investor@voz.ru Web-site: www.vbank.ru 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 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 (44% of total loans), consumer lending, mortgages and banking cards (26%). Our distribution network spans 143 outlets and about 880 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 fee- income generation capacity (actually one of the highest shares 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 (30.70%), Otar Margania, Member of the Board of Directors (18.65%), JPM International Consumer Holding Inc. (9.37%). * - 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
  2. 2. 2 Fact sheet Money does not build a bank, relationships do Key balance sheet numbers, Rub mln 3M 2014 2013 2012 Assets 210,836 211,006 209,062 Net loans 158,393 155,828 141,662 Corporate loans % 74% 75% 79% Retail loans% 26% 25% 21% Customer accounts 153,095 161,540 163,876 Equity 22,793 22,366 20,807 Key balance sheet ratios 3M 2014 2013 2012 Loans to Deposits 112% 104% 95% Capital Adequacy (Basel I) 14.4% 13.8% 14.8% Capital Adequacy (Basel III) 11.6% - - Leverage (equity/assets) 10.8% 10.6% 10.0% Customer funds to liabilities 81.4% 85.6% 87.1% Key income statement numbers, Rub mln 3M 2014 2013 2012 NII 2,591 9,486 9,058 Net fees 916 4,509 5,061 Other income 138 652 674 Provisions (893) (3,839) (2,722) Operating expenses (2,187) (8,777) (8,652) Net profit 428 1,492 2,331 Key ratios 3M 2014 2013 2012 NIM 4.9% 4.4% 4.7% Cost of risk (annualized) 2.1% 2.3% 1.8% Cost to Income 60.0% 59.9% 58.5% ROA 0.8% 0.7% 1.2% ROE 7.6% 7.0% 11.9% Share price performance Trading volumes (shares) 2013 2012 2011 MICEX (bln) 0.9 2.6 1.4 Earnings per share 2013 2012 2011 EPS, Roubles 60 93 64 0 200 400 600 1 10 100 1000 10000 01.06.13 01.09.13 01.12.13 01.03.14 01.06.14 RoublesShares Volume Last price

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