Fast facts

Stable ownership and top management team (almost all top managers in place since 1999, 60% of mid-level managers are at Bank for more than 5 years)
The Bank never defaulted on its obligations
Among Top 30 banks in terms of corporate business (14,000 corporate customers and more than 90,000 private customers), rapidly growing customer base (60-80 new customers per week)
Foreign shareholders (6%-DEG, 10%-Renaissance Investment Management)
Structure of loan portfolio: 79% - corporates, 21% - individuals. 100% of loan portfolio is secured
As of 2008YE ROAE was 17.5%, C/I – 53.2%, share of small enterprises in loan portfolio – 10.6%, share of medium enterprises – 37.8%
Very conservative securities portfolio (no exposure to stock and corporate bond market) includes bills of exchange of the biggest Russian banks + state bonds (OFZ) + bonds of the Russian Central Bank
Partnership with interstate financial institutions (KfW, EBRD, BSTDB) means high transparency and strong reputation of individual shareholders of the Bank
International credit ratings (‘B1/NP’ by Moody’s, ‘B’ by Fitch). All ratings carry stable outlook, ratings and outlooks were not changed
The Bank did not take assistance from the Central Bank of Russia in the form of unsecured lending
Main service for corporate customers – cash management. Almost all Bank’s premises are in the property