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
Universal Bank
Major directions of services: Cash and settlement services, corporate lending, SME and retail lending,
retail savings and corporate deposits, securities market services, foreign exchange and foreign
currency transactions, foreign economic activities operations, bank cards services, retail banking
including money transfers and payments
One of the
Largest Russian
Regional Banks
As of 01 April, 2014 the Bank holds:
• the 96-th position by the Bank capital (“Interfax-100. Banks of Russia”)
• the 73-rd position by personal savings (“Interfax-100. Banks of Russia”)
• the 73-rd position by the volume of retail credit portfolio (“BANKIR.RU)
• the 101-st position by the profit after taxation (““Interfax-100. Banks of Russia”)
Customer Base
Over 26 000 legal entities and entrepreneurs; over 1,100,000 accounts for individuals
Wide Customer
Service Network
Fitch Ratings
◦ Head Office in Chelyabinsk, Russia
◦ 54 structural units in 26 towns of the Chelyabinsk Region,
◦ a branch in Yekaterinburg,
◦ a representative office in Moscow,
◦ 186 ATMs,
◦ 1,765 POS - terminals
On May 28, 2013 Fitch Ratings assigned CHELINDBANK Long-term Issuer Default (IDR) «ВB-»,
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 – ZAO “KPMG”, Financial Statements RAI – ZAO “Ekaterinburg Audit-Center”
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Licenses
Licenses
Participation in
associations and
unions
• The General Banking License №485 dated 13.08.2012 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 as a
broker, dealer and depositary
• Compliance Certificate PCI DSS
• Licenses issued by FSS of Russia Department in the Chelyabinsk Region
• Regional Banks Association “Russia”
• Russian Banks Association
• Principal member of VISA International Association (since 1996); regional acquiring license of VISA
International (since 2003)
• Affiliated member of “MasterCard” Payment System (since 2013)
• Bills Market Members Association
• South-Ural Trade and Commerce Chamber
• Chelyabinsk Regional Office of Association of Employers “Union of Industrials and Entrepreneurs”
• Chelyabinsk Regional Office of Public Organisation “Union of Industrials and Entrepreneurs”
Participation in
Sock Exchanges
Member of Stock section and Foreign Currency section of Moscow Interbank Currency Exchange
(Moscow)
Savings Insurance
Agency
The Bank is in the register of the banks participating in the Obligatory Savings Insurance System
under No1.
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Branch Network
On the territory of the Chelyabinsk
region CHELINDBANK has 28
branches, 22 outlets, 3 out-of-theoffice cash counters and a branch
in Yekaterinburg.
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Assets, Capital, Share Capital
As on 01.04.2014:
Share capital – 809 mln.rubles
Capital – 6,6 billion rubles
Assets – 37,0 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, MasterCards, Maestro
• International settlements
• Service of customers’ foreign
economic activity
• Salary projects
• Issue and discount of bills
• Collection
• Remote banking service
systems: «Client+Bank»,
«Client+Bank Online»,
«Client+Bank iBank2»,
• Securities market services
• Operations with precious
metals coins and bullions
• Safe custody
• Issue and service of corporate
bank cards
• Leasing
• Transfers in rubles and foreign
currency (including Western
Union, SWIFT operations,
BLIZKO, “Zolotaya Korona”,
“Contact”)
• Foreign exchange purchase
and sale operations
Foreign exchange
transactions and
services
Bank cards services
• Foreign settlements in all
internationally accepted forms by
SWIFT : transfer, letter of credit,
collection
•VISA Gold, VISA Classic, VISA
Electron, VISA Business, VISA
Platinum cards, MasterCard,
Maestro cards issue and
handling
• Bank guarantees issue and
confirmation of L/C by the firstclass European banks with or
without coverage
• Individuals foreign currency
transfers without opening a
current foreign currency account
• Foreign exchange transactions
• Individual payments to
organizations for rendered
services
• Purchase and sale of foreign
currency
•Remote banking service
systems: “Internet-Bank”,
“Internet-Trading”, “Mobile Bank”
• Transactions with currency with
restricted convertibility
• Operations with precious
metals coins and bullions
• Safe custody
• Securities operations
• Issue and discount of bills
• Foreign exchange control
• Acquiring in VISA and
MasterCard systems
• Issue and servicing corporate
local settlement system cards
including “Bon Appetit” cards,
co-branding cards
• Corporate cards issue and
handling
• Regular payments through card
accounts
• Loans to cardholders
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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, trading and educational companies, etc.
OJSC “Sverdlovsk Suburban Company”
OJSC “Transenergo”
OJSC “Legion-C”
CJSC “MIASSMEBEL”
“STROYCOM” Group of companies
Corporate loans
13 306
12 719
14 000
11 759
12 288
12 000
9 751
10 000
mln RUR
Our customers are:
OJSC “Chelyabinsk Zinc Plant”
OJSC “Ashinsky Metallurgical Plant”
CJSC “URALMOSTOSTROY”
CJSC “Unichel” Footwear company
Grains and Bread Products company n.a. Grigorovich
OJSC “Kopeysky Engineering Plant”
8 000
6 000
4 000
1 203
2 000
1 179
1194
1185
1111
0
01.01.11.
01.01.12.
Corporate loans
01.01.13.
01.01.14.
including individual entrepreneurs
01.04.14.
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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. Totally the EBRD has
provided CHELINDBANK with a 20 mln USD and 760 mln Rubles loans for small business development for the period of 3-5 years
including 500 mln Rubles provided in 2013. The Head office and 29 branches are taking part in the program.
As of April 01, 2014 the SME program loan porfolio of CHELINDBANK amounts 4,3 billion RUR for over 4,000 small and micro loan
agreements.
Since 2002 CHELINDBANK has been participating in the EBRD Trade Finance Program 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 has provided 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 37 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 - 6% p.a.
- financing: 5 - 7% p.a. (depending on the contract term and amount) + LIBOR/
EURIBOR.
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Correspondent Network
As on April 01, 2014 the correspondent network of CHELINDBANK consists of 269 correspondent banks including 106
resident banks and 163 non-resident banks from 47 countries:
• 28 correspondent banks with 50 NOSTRO-accounts,
• 11 respondent banks with 16 LORO-accounts,
• 67 partner banks cooperating within the framework of the signed General Agreements,
• 12 banks with Cash Foreign Currencies Banknote Agreements signed,
• 233 banks with no account relations
Main
Correspondent
Banks
•
•
•
•
•
•
•
The Bank of New York Mellon, New York, USA
Deutsche Bank Trust Company Americas, New York, USA
Deutsche Bank AG, Frankfurt-am-Main, Germany
COMMERZBANK AG, Frankfurt-am-Main, Germany
VTB Bank (Deutschland) AG, Frankfurt-am-Main, Germany
CREDIT SUISSE (FIRST BOSTON), Zurich, Switzerland
RAIFFEISEN BANK International AG, Vienna, Austria
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Retail Banking
Retail market services development is one of the Bank’s priorities.
The Bank offers its customers consumer loans,
auto loans, lending within the framework of
salary projects, mortgage lending, credit cards
lending.
As at 01.04.2014 total amount of rendered retail
credits comprised 8,1 billion rubles.
Individual Loans Dynamics
8 072
9 0 00
6 504
8 0 00
7 0 00
mln RUR
6 0 00
5 0 00
8 072
5 244
4 354
4 0 00
3 0 00
2 0 00
1 0 00
0
01.01.11. 01.01.12. 01.01.13. 01.01.14. 01.04.14.
Individual loans
The Bank offers a wide range of time deposits, that makes
possible different variants of depositing and saving
individual funds.
As at 01.04.2014 the total amount of attracted individual
funds comprised approximately 19,7 billion rubles.
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Bank Cards Operations
As at 01.04.2014 the amount of
VISA cardholders issued by
“CHELINDBANK” comprised 251
thousand.
In Chelyabinsk and other towns
of the Region 186 ATMs and
1765 point-of-sale terminals have
been installed.
More than 3,000 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 on 01.04.2014 the Assets comprise 37 023,3 mln. RUR:
7,7%
Due from Banks
10,0%
6,2%
Securities
13,4%
Customer loans
59,0%
• Cash & due from Central Bank– 2 908,4 mln. RUR
• Due from Banks – 1 669,1 mln. RUR
• Securities – 4 142,7 mln. RUR
• Customer loans – 24 259,3 mln. RUR
• Fixed assets – 3 143,7 mln. RUR
• Other assets– 900,1 mln. RUR
CHELINDBANK Liabilities Structure
As on 01. 04.2014 the Liabilities are:
• Due to Banks – 926,5 mln. RUR
• Due to corporate customers – 6 387,1 mln. RUR
• Due to individuals – 19 748,7 mln. RUR
• Securities – 23,9 mln. RUR
• Other liabilities – 244,5 mln. RUR
• Equity – 6 655,1 mln. RUR
• Loss provisions – 3 037,6 mln. RUR
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Financial results RAI
(published reports)
Figures
Quarter 1, 2014
(as on April 01, 2014)
in thous.RUR
Quarter 1, 2013
(as on April 01, 2013)
in thous.RUR
Total assets
Cash and due from Central Bank
Due from banks
Net lending receivables
Securities owned, net
Fixed Assets, intangible and tangible
Other assets
34 197 268
2 908 360
1 391 864
22 345 568
4 057 747
3 165 067
328 662
32 282 478
2 225 442
616 820
21 457 520
4 444 620
3 210 927
327 149
Total liabilities
Amounts owned to banks
Customer funds, total
Including individual deposits
Other liabilities
27 549 163
926 526
26 139 822
19 748 661
482 815
26 076 149
832 989
24 764 372
19 057 317
478 788
6 648 105
6 206 329
482 664
136 375
-123 003
374 964
132 350
472 646
166 417
-103 064
374 875
166 047
18,2
73,8
98,8
87,7
2,5%
13,4%
16,8
51,0
87,4
75,3
2,7%
14,0%
Equity
Net interest and similar income
Net fees and commissions received
Provisions change
Operating expenses
Profit after taxation
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