1. 1
Fact sheet
Money does not build a bank, relationships do
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
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, 22rd by loan portfolio and 17th by retail deposits. The bank's key
operations are in loans to SMEs (51% of total loans), consumer lending, mortgages and banking
cards (20%).
Our distribution network spans 146 outlets and about 840 ATMs covering 21 regions of Russia
with main focus on Moscow region, South and North-West of Russia. Serving around 61,400
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
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
17th by individual deposits
19th by size of the ATM network
21st by corporate loans

2. 2
Fact sheet
Money does not build a bank, relationships do
Key balance
sheet
numbers,
Rub mln
3M
2013
2012 2011
Assets 210,268 209,062 183,888
Loan book 148,550 141,662 124,383
Corporate
loans, %
80% 79% 82%
Retail loans,% 20% 21% 18%
Customer
accounts
163,368 163,876 145,142
Equity 21,162 20,807 18,462
Key balance
sheet ratios
3M
2013
2012 2011
Loans to
Deposits
101% 95% 95%
Capital
Adequacy
14.9% 14.9% 13.8%
Leverage
(equity/assets)
10.0% 10.0% 10.0%
Customer
funds to
liabilities
86.4% 87.1% 87.7%
Key income
statement
numbers,
Rub mln
3M
2013
2012 2011
NII 2.180 9.058 7.456
Net fees 1.107 5.061 4.822
Other income 203 674 611
Provisions (964) (2.722) (2.304)
Operating
expenses
(2.091) (8.652) (8.353)
Net profit 333 2.331 1.594
Key ratios 3M
2013
2012 2011
NIM 4.2% 4.7% 4.3%
Cost of risk
(annualized)
2.5% 1.8% 1.8%
Cost to Income 59.9% 58.5% 64.8%
ROA 0.6% 1.2% 0.91%
ROE 6.3% 11.9% 9.1%
Share price performance
Average daily trading volumes
3M 2013 2012 2011
MICEX (Rub bln) 0.4 1.0 1.4
Earnings per
share
3M 2013 2012 2011
EPS, Roubles 53 93 64
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