Fast facts

Stable ownership and top management team (almost all top managers in place since 1999, 60% of mid-level managers are at Bank for more than 5 years)
Among Top 25 banks in terms of corporate business (16,100 corporate customers and more than 220,000 private customers), rapidly growing customer base (60-80 new corporates per week)
Foreign shareholders (6%-DEG, 10%-Renaissance Investment Management)
Good quality of loan portfolio – NPL>90 days is 6.3%; C/I is 39,1% (as of 31 March 2010); small business is 10%, medium business is 52% of corporate loan portfolio (as of 31 December 2009)
Partnership with interstate financial institutions (IFC, DEG, KfW, EBRD, BSTDB) means high transparency and strong reputation of individual shareholders of the Bank
The Bank did not and does not borrow from the Central Bank of Russia, received support from shareholders and from Vnesheconombank (subordinated loan in 2009)
Strong capital adequacy: CAR (N1) as of 31 December 2009 was 19.2%, the Bank can bear generation of provisions on possible losses at the level 30.7% of loan portfolio and at the same time comply with requirements of the Central Bank of Russia