General License of Bank of Russia ¹3137

While offering a full range of banking services, RosEvroBank specializes in the following activities:
Individual approach to business with corporate customers. The financial stability and flawless business reputation of RosEvroBank, as well as its ability to provide effective and efficient solutions to the variety of financial needs which corporate clients face in their day-to-day activity, have allowed the Bank to compete successfully with domestic "majors" for small-to-medium business customer accounts. Value-added products and services, combined with a client-centred approach, continue to attract new customers and deepen existing relationships. In the first half of 2006, the wholesale banking segment once again added substance to its client base: more than 2,000 companies of different profiles gave the Bank a mandate to handle their financial affairs, bringing the total number of companies served to a number in excess of 14,000. Currently, 60 managers are employed in the Bank's wholesale banking department.
Financing of foreign trade is the core competence of RosEvroBank. The Bank offers a full spectrum of trade finance products and comprehensive consultancy in this area. The Bank maintains strategic partnerships with export credit agencies and commercial banks from all over Europe, Taiwan, South Korea, Japan, China, the USA and Canada. Today, it provides short-term documentary operations, medium-term import financing for various equipment and services as well as pre-export financing. To date, the total volume of credit lines from foreign financial institutions amounts to USD 320 million. As geographical preferences of its customers are expanding, the Bank strives to increase the number of correspondents and limits in order to be able to develop new directions of business and thus be all set when faced with respective demands from their customers. International recognition allows the Bank to issue unsecured documentary credits and guarantees, thus providing their customers with cost-efficient and flexible export-import financing solutions.
Lending to corporate customers counts among the top priorities. Financing is both bedrock for reinforcing customer relationships and a powerful revenue generator for the Bank. To satisfy their business customers' needs for financing their current and prospective projects, the Bank offers a wide-ranging set of flexible and efficient instruments. Among them are credit lines and overdraft facilities, term loans, lease financing products and guarantees. Having multi-year experience in providing commercial loans, the Bank can offer its clients financing options that best suit their individual demands. In line with the Russian economy, the Bank's corporate customers' business is on the rise.