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 28th by assets, 23rd by loan portfolio and 19th by retail deposits. The bank's key
operations are in loans to SMEs (47% of total loans), consumer lending, mortgages and banking
cards (22%).
Our distribution network spans 142 outlets and about 850 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 feeincome generation capacity (actually one of the highest share 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 (32.03%),
Otar Margania, Member of the Board of Directors (19.67%),
JPM International Consumer Holding Inc. (9.88%).
* - 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
IR Contacts:
Yulia Vinogradova
E-mail: Yu.Vinogradova@voz.ru
Tel: +7 (495) 620-90-71
Fax: +7 (495) 620-19-52
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
www.vbank.ru
1

2. Fact sheet
Money does not build a bank, relationships do
Key balance
sheet
numbers,
Rub mln
Assets
6M
2013
216,168
2012
209,062
2011
183,888
Key income
statement
numbers,
Rub mln
6M
2013
2012
2011
NII
4,417
9,058
Share price performance
7,456
Shares
Roubles
800
10000
Loan book
150,019
78%
Retail loans,%
22%
Equity
124,383
Net fees
2,322
5,061
4,822
600
1000
Corporate
loans, %
Customer
accounts
141,662
79%
82%
Other income
418
674
611
400
100
169,310
21%
163,876
18%
Provisions
(2,275)
(2,722)
(2,304)
145,142
Operating
expenses
Net profit
521
2,331
1,594
200
10
(4,226)
(8,652)
(8,353)
1
21,351
20,807
18,462
Key balance
sheet ratios
6M
2013
2012
2011
Key ratios
6M
2013
2012
2011
Loans to
Deposits
99%
95%
95%
NIM
4.2%
4.7%
14.6%
14.9%
13.8%
Cost of risk
(annualized)
2.8%
1.8%
1.8%
Leverage
(equity/assets)
Cost to Income
59.0%
10.1%
10.0%
10.0%
0
02.10.12
4.3%
Capital
Adequacy
02.07.12
58.5%
Volume
86.9%
87.1%
87.7%
02.04.13
02.07.13
Last price
Average daily trading volumes
6M 2013
MICEX (Rub bln)
2012
2011
0.6
1.0
1.4
6M 2013
2012
2011
41.6
93
64
64.8%
ROA
Customer
funds to
liabilities
02.01.13
0.5%
1.2%
0.91%
Earnings per
share
ROE
4.9%
11.9%
9.1%
EPS, Roubles
2