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MISSION

2. Established in 1990 1 9 years in the Russian Financial Market OJSC “CHELINDBANK” – the major universal bank in the Chelyabinsk region

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MISSION

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  1. 2 Establishedin 1990 19 yearsin theRussian Financial Market OJSC “CHELINDBANK” – the major universal bank in the Chelyabinsk region Since 1996 – the principal member ofVISA INTERNATIONAL A professional participant of the securities market Joint projects with EBRD Participant No 1 of the Deposit Insurance System Customer base –more than17,7thousand of legal entities and entrepreneurs, 580 thousand of individuals The amount of issued VISA cards– 329thousand. Customer service network – app.56of structural units in the Chelyabinsk Region, a branch in Yekaterinburg, representative office in Moscow, 135ATMs Activity Key Figures as of January 1st, 2010 Assets - 25,5 billion rubles Ratios: Customer loans- 13,0 billion rubles Capital adequacy ratio (N1) - 23,3% (min 10%) Individual Deposits – 12,6billion rubles Quick liquidity ratio (N2) - 52,8% (min 15%) Enterprise assets - 4,8billion rubles Current liquidity ratio (N3) - 86,3% (min 50%) Capital – 4,6 billion rubles Long-term liquidity ratio (N4) - 56,1% (max 120%) Financial Statements IFRS FS – PriceWaterhouseCoopersauditRFRS - PeterburgBankAudit (since 1995)

  2. 3 MISSION Weare the major universal bank in the Urals Region. Wecreate and maintain the customer base and establish mutually beneficial relations with customers. Wefeel 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. Weensure absolute fulfillment of all obligations undertaken to our partners and gaining profit to our shareholders. Weconduct 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. Wereward our employees according to the contribution of each to the Bank results achieved. Weregard 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.

  3. 4 Licenses CHELINDBANK has the following licenses: 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 The FSS (Federal Security Service) License entitling the Bank to work with means for cryptographic protection of information The Bank belongs to the 26 Russian credit institutions that were the first to join the Obligatory Deposit Insurance System. State corporation “Deposit Insurance Agency” included OJSC “CHELINDBANK” into the register of participants of the Obligatory Deposit Insurance System under No1. Participation in associations and unions: Regional Banks Association “Russia” Russian Banks Association Principal member ofVISA International Association (since 1996 года); has regional acquiring license ofVISA International (since 2003) Bills Market Members Association Association of Industrial Enterprises and Banks of Chelyabinsk Region South Urals Chamber of Commerce SWIFT member Participation in Exchanges: Member of the Urals Regional Currency exchange (г. Yekaterinburg) Member of Government Securities andCurrency sectionsof Moscow Interbank Currency Exchange (Moscow) Member of Stock ExchangeofMoscow Interbank Currency Exchange (Moscow) Member ofCurrency section ofSiberian Interbank Currency Exchange (Novosibirsk)

  4. CHELINDBANK has 28branches, 17outlets and 10 operational cash desks on the territory of the Chelyabinsk region and a branch in Yekaterinburg. 5 Branch Network

  5. 6 Ratings CHELINDBANK is a major universal Russian regional bank. The main activity region of the Bank is the Chelyabinsk Region. According to the ranking of the “Interfax-100” as for the results of Q309 CHELINDBANK is ranked as the 102nd by assets and as the77th by ownership capital among the major Russian banks. Based on “RosBusinessConsulting” agency data according to the results of October 1st, 2009 among 1000 Russian universal commercial banks CHELINDBANK holds: • 51-st position by personal savings • 75-th position by the volume of retail credit portfolio • 79-th position by the deposit portfolio • 92-nd position by the credit portfolio According to the rating of "Expert-Urals" magazine as at October 01, 2009 CHELINDBANK is ranked as the 6th in the Urals region by the volume of retail deposits and as 8th by consumer loan portfolio, as the 7th by assets, as the6th by corporate loan portfolio, as the 6th by corporate customer current accounts. Fitch Ratings, belonging to the three leading international rating agencies, assignedCHELINDBANKLong-term Issuer Default (IDR) «В-» (B minus), Outlook “Stable”,National Long-term «ВВ+(rus)».CHELINDBANK is the first bank of the Chelyabinsk region to get ratings according to the international scale.

  6. 7 Assets, Capital, Shareholders’ capital As at January 01, 2010:Shareholders’ Capital – 809 mln.rublesCapital – 4,6billion rubles Assets – 25,5billion rubles

  7. 8 Customer services

  8. 9 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» CJSC «Unichel» Footwear company FGUP «RFYAC-VNIITF» Grains and Bread Products company n.a. Grigorovich JSC «Chelyabinsk Zinc Plant» OJSC «Chelyabvtormet» JSC «Ufaleynickel» “Pokrovsky Passage” Chain Store system JSC «Ashinsky Metallurgical Plant»

  9. 10 The Bank has been dealing with small and medium business lending under the EBRD program for more than six years. As at 01.01.2010 the EBRD has provided CHELINDBANK with a 1,9 mln. USD and 260 mln. rubles loans for small business development. The Head office and 29 branches are taking part in the program. As at January 01, 2010 CHELINDBANK has granted approximately 4,2 thousand of small and micro loans for the total amount of 1,6 billion RUR. Since 2002 CHELINDBANK enjoys the facilities of the EBRD Trade Finance Program enabling the Bank to work with over 700 world leading finance institutions having similar 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. Cooperation with the EBRD

  10. 11 Retail Banking Retail service developmentis 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. As at 01.01.10 total amount of attracted individual funds comprised approximately 12,6billion rubles. The Bank offers its customers consumer loans, auto loans, mortgage loans, lending within the frameworks of salary projects. As at 01.0.10 total amount of granted retail credits comprised3,7billion rubles. The Bank has granted approximately 60thousand of loans.

  11. 12 Operations with bank cards As at 01.01.2010 the amount of VISAcards holders comprised more than 309thousand. In Chelyabinsk and other towns of the Region 137ATMs and 427 point-of-sale terminals have been installed. More than1,8thousand of agreements for corporate service in the framework of salary projects with the use of bank cards have been signed.

  12. 14 CHELINDBANK Assets Structure • At 01.01.2010Assets comprise 25 462,8 mln. RUR: • Cash & due from Central Bank– 1 950,7mln. RUR • Due from Banks – 3 208,3mln. RUR • Securities – 2 821,8mln. RUR • Customer loans – 13036,4 mln. RUR • Fixed assets – 3 099,2 mln. RUR • Other assets– 1 346,4mln. RUR CHELINDBANK Liabilities Structure • At 01.01.2010 • Due to Banks – 753,3mln. RUR • Due to corporate customers – 4755,0mln. RUR • Individual deposits – 12 618,3mln. RUR • Securities – 44,7mln. RUR • Other liabilities – 109,4mln. RUR • Shareholders’ equity – 4 954,2mln. RUR • Loss provisions – 2 227,9mln. RUR

  13. 15 Financial resultsRFRS (published reports) * According to calculation methods of the Bank of Russia № 1379-U

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