1. Fact sheet
Money does not build a bank, relationships do
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 29th by assets, 25rd by loan portfolio and 17th by retail deposits. The bank's key
operations are in loans to SMEs (50% of total loans), consumer lending, mortgages and banking
cards (21%). IR Contacts:
Our distribution network spans 149 outlets and about 838 ATMs covering 21 regions of Russia
with main focus on Moscow region, South and North-West of Russia. Serving around 61,400 E-mail: investor@voz.ru
corporate 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 Vinogradova
Russian banks) and higher margin-SME and mortgage lending as well as stable funding from E-mail: Yu.Vinogradova@voz.ru
customer deposits. Tel: +7 (495) 620-90-71
Fax: +7 (495) 620-19-52
Bank Vozrozhdenie is listed on the Moscow Stock Exchange (ticker VZRZ, pref - VZRZP) and the
bank’s DR-program is developed on the Stuttgart stock exchange. Elena Mironova
Bank has been publishing financials under Russian Accounting Standards and International E-mail: E.Mironova@voz.ru
Financial Reporting Standards since 1991. Our external auditor is PricewaterhouseCoopers Audit. Tel: +7 (495) 620-90-71
Fax: +7 (495) 620-19-52
The 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.ru
Dmitry Orlov, Chairman of the Board of Directors (32,02%), 4th by loans to the SME sector Tel: +7 (495) 620-90-71
Otar Margania, Member of the Board of Directors (19,67%), 8th by mortgages issued
17th by individual deposits
Fax: +7 (495) 620-19-52
JPM 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
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2. Fact sheet
Money does not build a bank, relationships do
Key balance 2012 2011 2010 Key income 2012 2011 2010 Share price performance
sheet statement
numbers, Ru numbers,
b mln Rub mln
Shares Roubles
Assets 209 062 183 888 166 158 NII 9 058 7 456 5 491 100,000 1,800
Loan book 141 662 124 383 104 046 Net fees 5 061 4 822 3 935 10,000 1,440
Corporate 1,000 1,080
79% 82% 85% Other income 674 611 473
loans, %
100 720
Retail loans,% 21% 18% 15% Provisions (2 722) (2 304) (1 872)
10 360
Customer Operating
163 876 145 142 130 334 (8 652) (8 353) (7 180)
accounts expenses 1 0
Equity 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 price
Key balance 2012 2011 2010 Key ratios 2012 2011 2010 Average daily trading volumes
sheet ratios
Loans to NIM 4.7% 4.3% 3.6% 2012 2011 2010
95% 95% 88%
Deposits
Cost of risk
Capital 1.8% 1.8% 1.8%
14.9% 13.8% 15.2% (annualized) Moscow Stock
Adequacy 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% share
Customer
funds to 87.1% 87.7% 87.3%
ROE 11.9% 9.1% 3.5% EPS, Roubles 93 64 23
liabilities
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