Transcript Document

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Mission
We are the major universal bank in the Urals Region.
We create and maintain the customer base and establish mutually beneficial relations with customers.
We feel committed to participate in spheres of activities of our customers providing them with the wide range of banking
services meeting their requirements and complying with the international banking practice and standards.
We ensure absolute fulfillment of all obligations undertaken to our partners and gaining profit to our shareholders.
We conduct our business open for customers and shareholders in strict compliance with the Russian laws based on
corporate management standards, fair competition, updated IT solutions and high professional level of the Bank executives
and staff.
We reward our employees according to the contribution of each to the Bank results achieved.
We regard social demands with attention and together with local authorities aim at participating in promotion of social
projects for the benefit of the society, growth and improvement of economy of the Chelyabinsk Region.
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“CHELINDBANK” at a Glance
Major directions of
services
Cash and settlement services, corporate lending, SME and retail lending, retail savings, securities
market services, foreign exchange and foreign currency purchase and sale operations, foreign
economic activities, bank cards services, retail banking including money transfers and payments
CHELINDBANK is
a major universal
Russian regional
bank
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the 84-th position by the Bank capital (“Interfax-100. Banks of Russia”)
the 108-th position by assets (“Interfax-100. Banks of Russia”)
the 61-st position by personal savings (“RosBusinessConsulting” Agency)
the 73-rd position by the volume of retail credit portfolio (“RosBusinessConsulting” Agency)
the 100-th position by the corporate credit portfolio (“RosBusinessConsulting” Agency)
Customer base
26 thousand legal entities and entrepreneurs, 580 thousand individuals
Customer service
network
Head Office in Chelyabinsk, Russia
54 structural units in 26 towns of the Chelyabinsk Region,
a branch in Yekaterinburg, a representative office in Moscow, 160 ATMs
Fitch Ratings
On August 10, 2011 Fitch Ratings assigned CHELINDBANK Long-term Issuer Default (IDR) «В+»,
outlooks “Stable” National Long-term «A-(rus)». The financial stability of CHELINDBANK is regularly
confirmed by the international scale ratings since October 2008.
Financial Statements IFRS 2002 - 2010 – ZAO “PriceWaterhouseCoopers Audit”
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Licenses
CHELINDBANK
has the following
licenses
Participation in
associations and
unions
Participation in
Exchanges
Savings Insurance
Agency
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The General Banking License №485 dated 16/09/2002 issued by the Central Bank of Russia
The License on Banking Operations with Precious Metals № 485 от 16/09/2002
The Licenses entitling the Bank to operate as a professional participant of the securities market
Compliance Certificate PCI DSS
• Regional Banks Association “Russia”
• Russian Banks Association
• Principal member of VISA International Association (since 1996); regional acquiring license of VISA
International (since 2003)
• Bills Market Members Association
• Association of Industrial Enterprises and Banks of Chelyabinsk Region
• South-Ural Trade and Commerce Chamber
• Chelyabinsk Regional Office of Association of Employers “Union of Industrials and Entrepreneurs”
Member of Stock section and Foreign Currency section of Moscow Interbank Currency Exchange
(Moscow)
The Bank is put in the register of the banks participating in the the Obligatory Savings Insurance
System under No1.
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Branch Network
On the territory of the Chelyabinsk
region CHELINDBANK has 28
branches, 18 outlets, 8 out-of-theoffice cash counters and a branch
in Yekaterinburg.
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Assets, Capital, Share Capital
As on 01.01.2012:
Share capital – 809 mln.rubles
Capital – 5,7 billion rubles
Assets – 31,4 billion rubles
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Customer Services
Services to corporate
customers
•Cash and settlement services
Retail Banking
• Deposit operations
•Deposits in rubles and foreign
currency
• Lending
• Lending
• Guarantee operations
• Issue and service of VISA
cards
• International settlements
• Service of customers’ foreign
economic activity
• Salary projects
• Issue and discount of bills
• Transfers in rubles and foreign
currrency (including Western
Union, Migom, SWIFT
operations,BLIZKO)
• Collection
• Foreign exchange purchase
and sale operations
• Remote banking service
systems: «Client+Bank»,
«Telephone+Bank»,
«Client+Bank Online»
• Individual payments to
organizations for rendered
services
• Securities market services
• Operations with precious
metals coins and bullions
• Safe custody
•Remote banking service
systems: “Telephone+Bank”,
“Client+Bank Online”
• Operations with precious
metals coins and bullions
• Issue and service of corporate
bank cards
• Safe custody
• Leasing
• Issue and discount of bills
• Securities operations
Foreign exchange
transactions and
services
Bank cards services
• Foreign settlements in all forms
internationally accepted:
transfer, letter of credit,
collection by SWIFT
•Issue and servicing VISA Gold,
VISA Classic, VISA Electron,
including microprocessing VISA
cards
• Bank guarantees and
confirmation of L/C by the firstclass European and American
banks with or without coverage
• Acquiring in VISA system
• Individual foreign currency
transfers without opening a
current foreign currency account
(including Western Union)
• Corporate cards issue and
handling
• Foreign exchange transactions
• Loans to cardholders
• Purchase and sale of foreign
currency
• Foreign exchange control
• Transactions with currency with
restricted convertibility
• Issue and servicing corporate
local settlement system cards
including “Bon Appetit” cards
• Regular payments from card
accounts
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Corporate banking
CHELINDBANK renders services to corporate customers of different industries, patterns of ownership and scope of activity. The Bank
corporate customers are defense enterprises, enterprises of ferrous and non-ferrous industry, chemical industry, machinery manufacturing,
food industry, travel agencies and trading companies etc.
Our customers are:
FGUP PA «Mayak»
FGUP «RFYAC-VNIITF»
JSC «Chelyabinsk Zinc Plant»
JSC «Ufaleynickel»
JSC «Ashinsky Metallurgical Plant»
CJSC «Unichel» Footwear company
Grains and Bread Products company n.a. Grigorovich
OJSC «Chelyabvtormet»
Corporate loans
11 759
12 000
11 147
10 086
9 680
9 886
9 751
10 000
8 740
mln RUR
8 000
6 000
4 000
1 658
1 321
2 000
1 126
1 105
1 203
1 136
1194
0
01.01.09.
01.07.09.
01.01.10.
Corporate loans
01.07.10.
01.01.11.
including individual entrepreneurs
01.07.11.
01.01.12.
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Cooperation with the EBRD
The Bank has been dealing with small and medium business lending under the EBRD program since 2002. The EBRD has
provided CHELINDBANK with a 20 mln. USD and 260 mln. rubles loans for small business development for the period of 3-5 years.
The Head office and 29 branches are taking part in the program. As at January 01, 2012 CHELINDBANK has granted
approximately 3500 small and micro loans for the total amount of 3,0 billion RUR.
Since 2002 CHELINDBANK has been participating in the EBRD Trade Finance Project enabling the Bank to work with more than
700 major world financial institutions having the relating agreements with the EBRD.
In September 2006, the Bank and the EBRD entered into a loan agreement for mortgage financing. According to the terms of the
Agreement the EBRD provides the Bank with the loan of 140 mln RUR for 7 years.
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Trade Financing
Since 2002 CHELINDBANK actively participates in the EBRD Trade Finance Program.
The credit institutions cooperating with CHELINDBANK in the framework of trade financing are
Commerzbank AG, VTB Bank (Deutschland) AG, Germany, Raiffeisen Bank International AG,
Austria.
The total volume of credit lines for trade finance operations established by the foreign banks for
CHELINDBANK is about 36 mln. US Dollars (in equivalent).
The principle
conditions
• Financing terms up to 3 years,
• Involving Export Credit Agencies – up to 5 years,
• Interest rates:
- LC/ guarantees issuing: 2-8% p.a.
- financing: 5-8% p.a. (depending on the contract term and amount) +
LIBOR/ EURIBOR.
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Retail Banking
Retail service development is one of the Bank’s priorities.
The Bank offers a wide range of time deposits, that makes
possible different variants of depositing and saving
individual funds.
The Bank offers its customers consumer loans,
auto loans, lending within the frameworks of
salary projects, mortgage lending, credit cards
lending.
As at 01.01.12 total amount of attracted individual funds
comprised approximately 17 billion rubles.
As at 01.01.12 total amount of granted retail
credits comprised 5,2 billion rubles.
Individual loans dynamics
5 244
6 0 00
5 0 00
4 673
4 674
4 354
4 111
3 738
3 878
mln RUR
4 0 00
3 0 00
2 0 00
1 0 00
0
01.01.09.
01.07.09.
01.01.10.
Individual loans
01.07.10.
01.01.11.
01.07.11.
01.01.12.
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Bank Cards Operations
As at 01.01.2012 the amount of
VISA cards holders comprised
more than 271,5 thousand.
In Chelyabinsk and other towns
of the Region 160 ATMs and
559 point-of-sale terminals
have been installed.
More than 2,700 agreements
for corporate service in the
framework of salary projects
with the use of bank cards
have been signed.
CHELINDBANK Assets Structure
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as on January 01, 2012
Other assets
3,7%
Fixed assets
Cash & due from
Central Bank
As at 01.01.2012 Assets comprise 31 397,8 mln. RUR:
7,7%
Due from Banks
10,0%
6,2%
Securities
13,4%
Customer loans
59,0%
• Cash & due from Central Bank– 2 723,2 mln. RUR
• Due from Banks – 1 781,2 mln. RUR
• Securities – 4 123,3 mln. RUR
• Customer loans – 18 917,0 mln. RUR
• Fixed assets – 3 074,9 mln. RUR
• Other assets– 778,2 mln. RUR
CHELINDBANK Liabilities Structure
As at 01.01.2012
• Due to Banks – 282,7 mln. RUR
• Due to corporate customers – 5 879,0 mln. RUR
• Individual deposits – 16 994,9 mln. RUR
• Securities – 32,4 mln. RUR
• Other liabilities – 109,9 mln. RUR
• Shareholders’ equity – 5 690,6 mln. RUR
• Loss provisions – 2 408,3 mln. RUR
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Financial results RFRS
(published reports)
Figures
Year 2011
(as on January 01, 2012)
Year 2010
(as on January 01, 2011)
Total assets
Cash and due from Central Bank
Due from banks
Net lending receivables
Securities owned, net
Fixed Assets, intangible and tangible
Other assets
29 222 709
2 733 452
339 327
18 543 652
4 111 255
3 227 792
267 231
27 855 613
2 387 469
1 432 842
15 822 300
4 721 131
3 218 512
273 359
Total liabilities
Amounts owned to banks
Customer funds, total
Including individual deposits
Other liabilities
23 579 866
282 695
22 900 255
16 994 929
396 916
22 669 251
438 371
21 300 941
15 487 017
929 939
Shareholders’ funds
5 642 843
5 186 362
Net interest and similar income
Net fees and commissions received
Provisions change
Operating expenses
Profit after taxation
1 635 636
835 105
-298 620
1 761 529
477 868
1 239 208
704 784
-283 681
1 386 883
277 950
19,1
47,2
78,7
77,6
2,9%
16,0%
19,1
57,8
92,5
78,4
2,5%
13,5%
Requirements:
N1(min 10%)
N2 (min 15%)
N3 (min 50%)
N4 (max 120%)
ROA*
ROE*
*According to calculation methods of the Bank of Russia № 1379-U