Investor Presentaiton
Investment Summary: Bank Vozrozhdenie
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Sound long-term strategy
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Adaptable in a changing environment
High profitability on any size of the balance sheet
Strong lead in expanding regional SME and retail markets
Current Challenges
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Funding: loan to deposit ratio ~ 110 - 115%
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Credit quality
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Efficiency
Personal Bank for individuals and corporate clients
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60% of client base concentrated in Moscow region
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Corporate focused on SME – little oil & gas, mining or heavy industry
Business diversity and flexibility
High risk management and corporate governance standards
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No 1 in Information Transparency to Shareholders by S&P (2007&2006)
S&P rating BB- assigned in Aug'08, Moody's Ba3 confirmed in Oct'08
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Positive track-record of communication with investors
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Recent Board of Directors meeting held according to best practices
Active HR& Compensation and Audit Committees
VOZROZHDENIE
BANK
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