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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




                                                                                                                                        1
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




                                                                                                                                                    2

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Fact sheet FY 2012 ENG

  • 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 1
  • 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 2