Annual report
2012
En
Ru
Events of 2012
Business overview
Shareholder Structure
Corporate Governance
Risk Management
Human Resources
Bank at a glance
Letter from the Chairman of the Board of Directors
Letter from the Chairman of the Management Board
Strategy
Highlights of 2012
Market Overview
Financial Results Analysis
Corporate business
Retail business
Bank cards
Financial Markets
Banking technologies
Achievements in 2012
Structure of the corporate governance
Internal Control and Audit
Dividend policy
Insider information
Strategy and Structure
Credit risk
Interest-rate and currency risk
Liquidity risk
Operating risk
Country and Market risk
Social responsibility
Human Resources
Environmental Management
Branches
53
branches
79
additional offices
13
operational cash desks
2
operational offices
Officesin Moscow Region
Branches in Russia
Tools
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Branches
Highlights 2012
Interest-rate and currency risk
Credit risk
Country and Market risk
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Materials
The entire report in PDF format
Financial reporting in XLS format
Related sections:
Financial statements
Portrait of a bank
Risk management
