Highlights 2012

2006 year. Celebration of the 15th anniversary of Bank Vozrozhdenie

Net income rose by 50% to RUB 2.3 billion and ROE reached 11.9%
Assets increased by 13.7% to RUB 209.1 billion
The corporate loan portfolio expanded by 9.3% to RUB 123.5 billion. The share of small and medium-sized businesses (SMEs) in it climbed to 62.5%.
The retail loan portfolio expanded by 34.8% to RUB 32.9 billion
The mortgage loan portfolio exceeded RUB 22.3 billion, up 45% year-on-year
Customer funds rose by 12.9% to RUB 163.9 billion. The share of retail deposits was 49.4%.
Credit turnover on bank-card accounts grew by 11.4% to RUB 186 billion

Dmitry Orlov is elected as Chairman of the Board of Directors
Alexander Dolgopolov is appointed as Chairman of the Management Board
Two new management positions are created, Operations Director and IT Director, as part of the operating model optimization project
RUB 4.3 billion of mortgages are securitized
RUB 2 billion of subordinated deposits is raised to strengthen capital

Bank Vozrozhdenie features in a rating of the world’s top 1,000 banks compiled by authoritative British magazine The Banker
Bank Vozrozhdenie features in a rating of the world’s 500 most valuable banking brands by Brand Finance

In March 2013, the Bank wins the “Best Corporate Governance, Russia” award from British magazine World Finance
The Bank wins the “Best IR Management in Russia” award for 2012 from Global Banking & Finance Review
The Bank is presented with the “STP Award 2011. Excellent Quality” by Commerzbank AG for the high quality of its international settlement service
Lyudmila Goncharova, Deputy Chairwoman of the Management Board, features in the “Top 50 Corporate Bankers” rating by magazine Profile
Andrey Shalimov, Deputy Chairman of the Management Board, wins the “Best Investor Relations by CFO, Small Cap” award from IR magazine Russia & CIS

Annual report 2012