Corporate Responsibility

Lending in Support to Economic Growth
RosEvroBank is committed to lending in support of economic growth. Loans and commitments originated and renewed totaled approximately RUB 30.8 billion as of 30 September 2010.

Retail Lending
RosEvroBank offers a broad array of consumer lending products through multiple channels, including its branch network. These options include home equity loans and lines of credit, education loans, and credit cards. RosEvroBank engages in branch training, direct sales and Internet advertising efforts to help qualifying customers access credit.

Business Banking
RosEvroBank has a longstanding tradition of offering small businesses financial advice and solutions, including a wide range of credit solutions including term loans or lines of credit.

Environmental Considerations in Lending
RosEvroBank is committed to advancing sustainable economic development. This commitment takes account of environmental considerations in all aspects of our operations, including how we lend to business.

Environmental Due Diligence
RosEvroBank's credit review process includes due diligence that takes into consideration a prospective borrower’s environmental performance. This practice is fundamental to our risk management practice and the long term protection of our investors. We expect to make practical updates to our risk management policies as appropriate, with
significant consideration given to the banking industry’s best practices for environmental sustainability.

Philantropy
RosEvroBank is committede to support youth education and sports. Cooperation with Charity Foundation "Absolut-Pomosch" started in 2002. In 2010 number of LCD monitors have been granted to Professional Learning Centre No.112 in Noginsk (Moscow Area). For more than 4 years RosEvroBank sponsors "Dynamo" vomen voleyball team, many members of this team played for the Russian National Team which became World Champion in 2010.

Effective Governance
RosEvroBank has found success in establishing robust and dynamic corporate governance that still very much supports transparency and flexibility. RosEvroBank's governance structure assists the Board of Directors in fulfilling its duty to oversee management.