Bank Vozrozhdenie is a leading Russian bank ranked 34th 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 142 outlets and over 800 ATMs across Russia. Its main shareholders are Dmitry Orlov, Chairman of the Board of Directors (30.70%), Otar Margania, Member of the Board of Directors (18.65%), and JPM International Consumer Holding Inc. (9.37%).

1. Fact sheet
1
Money does not build a bank, relationships do
IR Contacts:
E-mail: investor@voz.ru
Web-site: www.vbank.ru
Tel: +7 (495) 620-90-71
Fax: +7 (495) 620-19-52
Elena Mironova
E-mail: E.Mironova@voz.ru
Maria Gorbunova
E-mail: M.Gorbunova@voz.ru
Andrey Smirnov
E-mail: AV.Smirnov@voz.ru
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 34th by assets, 24rd by loan portfolio and 21th by retail deposits. The bank's key
operations are in loans to SMEs (43% of total loans), consumer lending, mortgages and banking
cards (27% of total loans).
Our distribution network spans 142 outlets and about 883 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 MOEX (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%),
Market position*
3rd by loans to the SME sector
Otar Margania, Member of the Board of Directors (18.65%),
14th by mortgages issued
JPM International Consumer Holding Inc. (9.37%).
21st by individual deposits
13th by turnover on ATMs network
* - according to Expert RA rating agency
23rd by corporate loans

2. Fact sheet
Shares Rubles
1,800
1,440
1,080
720
360
2
Money does not build a bank, relationships do
Key balance
sheet
numbers,
Rub mln
1H
2014
2013 2012
Assets 209,609 211,006 209,062
Net loans 151,982 155,828 141,662
Corporate loans % 72% 75% 79%
Retail loans% 28% 25% 21%
Customer
accounts
158,110 161,540 163,876
Equity 23,196 22,366 20,807
Key balance
sheet ratios
1H
2014
2013 2012
Loans to Deposits 105% 104% 95%
Capital Adequacy
(Basel I)
- 13.8% 14.8%
Capital Adequacy
(Basel III)
12.3% - -
Leverage
(equity/assets)
11.1% 10.6% 10.0%
Customer funds to
liabilities
84.8% 85.6% 87.1%
Key income
statement
numbers,
Rub mln
1H
2014
2013 2012
NII 4,986 9,486 9,058
Net fees 1,893 4,509 5,061
Other income 408 652 674
Provisions (1,866) (3,839) (2,722)
Operating
expenses
(4,365) (8,777) (8,652)
Net profit 859 1,492 2,331
Key ratios 1H
2014
2013 2012
NIM 4.7% 4.4% 4.7%
Cost of risk
(annualized)
2.2% 2.3% 1.8%
Cost to Income 59.9% 59.9% 58.5%
ROA 0.8% 0.7% 1.2%
ROE 7.5% 7.0% 11.9%
Share price performance
100,000
10,000
1,000
100
10
1
1/7/13 1/9/131/11/131/1/141/3/14 1/5/14 1/7/14
Volume Last price
Trading volumes (shares)
0
1H 2014 2013 2012
MOEX (mln) 0.7 1.2 2.6
Earnings per
share
1H 2014 2013 2012
EPS, Roubles 69 60 93