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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
◦ 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
Fitch RatingsOn 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”
Licenses
The Bank is in the register of the banks participating in the Obligatory Savings Insurance System under No1.
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Licenses • 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
Participation in
associations and
unions
• 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
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Branch Network
On the territory of the Chelyabinsk region CHELINDBANK has 28 branches, 22 outlets, 3 out-of-the-office cash counters and a branch in Yekaterinburg.
As on 01.04.2014: Share capital – 809 mln.rubles Capital – 6,6 billion rubles Assets – 37,0 billion rubles
Assets, Capital, Share Capital
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Customer Services
Services to corporate customers
Retail Banking Foreign exchange transactions and services
Bank cards services
•Cash and settlement services
• Deposit operations
• Lending
• Guarantee operations
• 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
•Deposits in rubles and foreign currency
• Lending
• Issue and service of VISA cards, MasterCards, Maestro
• Transfers in rubles and foreign currency (including Western Union, SWIFT operations, BLIZKO, “Zolotaya Korona”, “Contact”)
• Foreign exchange purchase and sale operations
• Individual payments to organizations for rendered services
•Remote banking service systems: “Internet-Bank”, “Internet-Trading”, “Mobile Bank”
• Operations with precious metals coins and bullions
• Safe custody
• Securities operations
• Issue and discount of bills
• Foreign settlements in all internationally accepted forms by SWIFT : transfer, letter of credit, collection
• Bank guarantees issue and confirmation of L/C by the first-class European banks with or without coverage
• Individuals foreign currency transfers without opening a current foreign currency account
• Foreign exchange transactions
• Purchase and sale of foreign currency
• Foreign exchange control
• Transactions with currency with restricted convertibility
•VISA Gold, VISA Classic, VISA Electron, VISA Business, VISA Platinum cards, MasterCard, Maestro cards issue and handling
• 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 bankingCHELINDBANK 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.
Our customers are: OJSC “Chelyabinsk Zinc Plant” OJSC “Sverdlovsk Suburban Company” OJSC “Ashinsky Metallurgical Plant” OJSC “Transenergo” CJSC “URALMOSTOSTROY” OJSC “Legion-C” CJSC “Unichel” Footwear company CJSC “MIASSMEBEL” Grains and Bread Products company n.a. Grigorovich “STROYCOM” Group of companies OJSC “Kopeysky Engineering Plant”
9 751
1 203
11 759
1194
12 288
1 179
12 719
1185
13 306
1111
0
2 000
4 000
6 000
8 000
10 000
12 000
14 000
mln
RU
R
01.01.11. 01.01.12. 01.01.13. 01.01.14. 01.04.14.
Corporate loans
Corporate loans including individual entrepreneurs
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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 NetworkAs 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
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.
Retail market services 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.
As at 01.04.2014 the total amount of attracted individual funds comprised approximately 19,7 billion rubles.
0
1 000
2 000
3 000
4 000
5 000
6 000
7 000
8 000
9 000
01.01.11. 01.01.12. 01.01.13. 01.01.14. 01.04.14.
4 354
5 244
6 504
8 072 8 072
mln
RU
R
Individual Loans Dynamics
Individual loans
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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.
14CHELINDBANK Assets Structure
CHELINDBANK Liabilities Structure
As on 01.04.2014 the Assets comprise 37 023,3 mln. RUR:
• 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
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
as on January 01, 2012
Securities
13,4%
Fixed assets
10,0%
Customer loans
59,0%
Cash & due from
Central Bank
7,7%
Other assets
3,7%
Due from Banks
6,2%
Financial results RAI(published reports)
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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
Equity 6 648 105 6 206 329
Net interest and similar income
Net fees and commissions received
Provisions change
Operating expenses
Profit after taxation
482 664
136 375
-123 003
374 964
132 350
472 646
166 417
-103 064
374 875
166 047
Requirements:
N1(min 10%)
N2 (min 15%)
N3 (min 50%)
N4 (max 120%)
ROA*
ROE*
18,2
73,8
98,8
87,7
2,5%
13,4%
16,8
51,0
87,4
75,3
2,7%
14,0%
* According to calculation methods of the Bank of Russia № 1379-U