Bank Vozrozhdenie is a leading Russian bank ranked 28th by assets that has operated since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has a network of 143 branches and 880 ATMs across 21 Russian regions, serving over 63,000 corporate and 1.7 million retail clients. The majority of the current management team has been with the bank for over 15 years. The main shareholders are Dmitry Orlov, Otar Margania, and JPM International Consumer Holding Inc.

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
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
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