2. About CHELINDBANK
CHELINDBANK is a major universal Bank of the Urals region, was founded in The Bank provides the individuals and business with a full range of services in the financial market. CHELINDBANK's activities are based on corporate governance standards, the principles of compliance with Russian laws and fair competition, the use of modern software and technology solutions and a high professional level of managers and employees of the Bank.
CHELINDBANK was registered with the Central Bank of the Russian Federation on 16 October In 1992, the Bank was transformed into an open joint stock company. In 2015, the name of the legal form was brought into compliance with the current legislation of the Russian Federation. Today the Bank is called: JOINT-stock COMMERCIAL BANK CHELINDBANK (public joint stock company), short name - PJSC CHELINDBANK.

3. Mission We are the major universal bank in the Urals Region.
We create and maintain 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.

4. CHELINDBANK values For customers and partners
Bank with an impeccable business reputation
Bank that constantly develops and maintains mutually beneficial long-term relationships with customers and partners
Bank with a high level of customer satisfaction in obtaining banking services
Bank where every customer is welcomed
Bank that constantly offers its customers new products and comfortable and safe services
Bank with modern technologies in customer service
For employees
Bank that values its employees and employees are loyal to the Bank
Bank that provides a high professional level of its employees
Bank that provides its employees with a worthy remuneration for conscientious work
For shareholders and investors
Bank follows corporate governance standards
Bank ensures stable profitable operations, growth of equity capital and annual payment of dividends to shareholders due to a stable and efficient business model
Bank has a high business reputation in the market

5. CHELINDBANK at a Glance
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
Universal Bank
As of 01 January, 2019 the Bank holds:
the 56-th position by the volume of individuals funds (“Interfax-100. Banks of Russia”)
the 65-th position by the volume of individuals credit portfolio (BANKI.RU)
the 71-st position by profit after taxation (“Interfax-100. Banks of Russia”)
the 77-th position by Bank capital (“Interfax-100. Banks of Russia”)
the 78-th position by corporate loans (BANKI.RU)
the 98-th position by assets (“Interfax-100. Banks of Russia”)
One of the Largest Russian Regional Banks
About 18.8 thousand legal entities and entrepreneurs with settlement accounts opened with the Bank; about 791 thousand accounts opened for individuals
Customer Base
Head Office in Chelyabinsk, Russia
50 structural units in 26 towns of the Chelyabinsk Region,
a branch in Yekaterinburg,
235 ATMs,
7,169 POS - terminals
Wide Customer Service Network
Fitch Ratings
International Ratings: Long-term Issuer Default (IDR): “ВB-”
Rating Outlook “Stable“
The first rating was received in 2008.
Expert RA
National Rating: Credit Rating (Long-term Credit Rating): “ruA+”
Rating Outlook “Stable“
The first rating was received in 2015.
Financial Statements IFRS – AO “KPMG”

6. Partnership
PJSC "CHELINDBANK" is recognized as a significant credit institution on the payment services market (the Bank of Russia Bulletin № 29 dated April 11, 2018, “Register of significant credit institutions in the payment services market“).
CHELINDBANK is in the list of credit institutions authorized to provide guarantees in accordance with the requirements of the Federal Law dated April 05, 2013 №44-FZ "On the contract system in the procurement of goods, works and services for the public and municipal needs". The bank was one of the first who went through the registration procedure in a single information system.
The Ministry of Finance of the Russian Federation included CHELINDBANK in the register of authorized banks whose guarantees may secure the accelerated reimbursement of VAT by the tax authorities of the Russian Federation.
The Russian Federal Custom Service included CHELINDBANK and its Magnitogorsk Branch in the registry of financial institutions which may act as guarantors for custom authorities.
CHELINDBANK is in the list of authorized banks and banks that can open escrow accounts for settlements under contracts of participation in shared construction in accordance with the Federal law dated December 30, 2004 №214-FZ “On participation in the shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation".

7. Licenses Licenses and Agreements
The General Banking License № 485 dated issued by the Central Bank of Russia
The License on Banking Operations with Precious Metals № 485 от
The Licenses entitling the Bank to operate as a professional participant of the securities market as a broker, dealer and depositary
Principal Participant of VISA (since 1996), VISA Regional Acquiring License (since 2003)
A signed Offer of VISA LLC with regard to the VISA Payment System Operating Rules and associated tariffs for the services of VISA LLC payment system as a Direct Participant (dated )
Agreement with “MasterCard” LLC with an Indirect Participant on Joining the Rules of the Payment System “MasterCard” LLC in Russia (dated )
Compliance Certificate PCI DSS 3.2
Participant of “MIR” Payment System
The License issued by the Russian Federal Security Service Division for Chelyabinsk Region (N ) reg. N 283 dated )
Participation in associations and unions
Regional Banks Association “Russia”
Russian Banks Association
South-Ural Trade and Commerce Chamber
Chelyabinsk Regional Office of Association of Employers “Union of Industrials and Entrepreneurs”
Chelyabinsk Regional Office of Public Organization “Union of Industrials and Entrepreneurs”
Self-regulating organization "National Financial Association”
The Banking Union of the Chelyabinsk Region
Participation in Sock Exchanges
Member of Stock section and Foreign Currency section of “Moscow Exchange MICEX-RTS” (Moscow)
Savings Insurance Agency
The Bank is listed in the register of the banks participating in the Obligatory Savings Insurance System under No 1.

8. Branch Network The Bank Head Office is located in Chelyabinsk, Russia.
On the territory of the Chelyabinsk region CHELINDBANK has 28 branches, 22 subsidiary offices and a branch in Yekaterinburg, Sverdlovsk region.

9. Assets, Capital, Share Capital9
Assets, Capital, Share Capital
As on :
Share Capital – 809 mln.rubles Capital – 8,74 billion rubles Assets – 53,7 billion rubles
* According to the Management Reporting

10. 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 discounting of bills
Collection
Remote banking service systems: «Client+Bank», «Mobile application «Chelindbank Business», «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, MIR
Transfers in rubles and foreign currency (including Western Union, SWIFT operations, “Zolotaya Korona”)
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 Electron, VISA Classic, VISA Gold, VISA Business, VISA Platinum, MasterCard Standart, MasterCard Gold, MIR issue and handling
Acquiring in VISA, MasterCard and MIR 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

11. 11
Corporate banking
CHELINDBANK renders services to corporate customers of different industries, patterns of ownership and scope of activity. The Bank corporate customers are enterprises of ferrous and non-ferrous industry, machinery manufacturing, food industry, travel and trading companies, educational institutions, etc.
Our customers are:
PJSC “Ashinsky Metallurgical Plant” OJSC “MODERN GLASS” “Soyuspishcheprom” Association
СJSC “Innovations and business in energy” OJSC “Transenergo” PTK “Soyuz-Polimer” LLC
CJSC “Unichel” Footwear company CJSC “MIASSMEBEL” PZP “Vtor-Kom” LLC
JSC “Kopeysky Engineering Plant” “STROYCOM” LLC CJSC ”KONAR”
CJSC “Vostokmetallurgmontazh-1”
* According to the Management Reporting

12. Cooperation with the “SME Bank” in lending to small and medium-size businesses
Since 2009 CHELINDBANK has been cooperating with JSC “SME Bank”, Moscow on crediting small and medium-size businesses. As on January 1, 2019 the loan debt amounts to 171 million rubles.
As on January 1, 2019 the Bank credit portfolio of the small business lending program is 5.6 bln RUR and more than 4,600 credit agreements are concluded with the clients.
* According to the Management Reporting

13. Correspondent Network13
Correspondent Network
As on January 1, 2019 the correspondent network of CHELINDBANK consists of 197 correspondent banks including 76 resident banks and 121 non-resident banks from 38 countries:
24 correspondent banks with 47 NOSTRO-accounts,
7 respondent banks with 10 LORO-accounts,
18 partner banks cooperating within the framework of the signed General Agreements,
6 banks with Cash Foreign Currencies Banknote Agreements signed,
169 banks with no account relations
245
231
210
197
The Bank of New York Mellon, New York, USA
COMMERZBANK AG, Frankfurt-am-Main, Germany
VTB Bank (Deutschland) AG, Frankfurt-am-Main, Germany
CREDIT SUISSE (SWITZERLAND), Zurich, Switzerland
RAIFFEISEN BANK International AG, Vienna, Austria
Tsesnabank JSC, Аstana, Каzаkhstan
Main Correspondent
Banks

14. 14
Retail Banking
Retail market services development is one of the Bank’s priorities.
The Bank offers its customers consumer loans, lending within the framework of salary projects, mortgage lending, credit cards lending, car lending.
As on January 1, 2019 total amount of rendered retail credits comprised 10,2 billion rubles.
The Bank offers a wide range of time deposits that makes possible different variants of depositing and saving individual funds.
As on January 1, 2019 the total amount of attracted individual funds comprised 30,0 billion rubles.
* According to the Management Reporting

15. Bank Cards Operations
As on January 1, 2019 the amount of VISA cardholders issued by “CHELINDBANK” comprised 175 thousand.
In Chelyabinsk and other cities of the region and in Ekaterinburg city 235 ATMs and 7169 point-of-sale terminals have been installed.

16. CHELINDBANK Assets Structure*
as on January 01, 2018
as on January 01, 2019
51,3 bln
RUR
53,7 bln
RUR
CHELINDBANK Liabilities Structure*
as on January 01, 2018
as on January 01, 2019
51,3 bln
RUR
53,7 bln
RUR
* According to the Management Reporting

17. Financial results RAI (published reports)
Balance parameters (Form )
As on January 01, 2019*
in thous.RUR
As on January 01, 2018
Total assets
Cash and due from Central Bank
Due from banks
Net lending receivables
Securities owned, net
Fixed Assets, intangible and tangible
Other assets
Total liabilities
Amounts owned to banks
Customer funds, total
including individual deposits and entrepreneurs
Other liabilities
Equity
Income and expenses (Form )
For 2018*
For 2017
Net interest and similar income
Net fees and commissions received
Provisions change
Operating expenses
Profit after taxation
Equity return on net profit
9,2%
13,9%
Requirements (Form ):
N1_0 (min 8%)
N2 (min 15%)
N3 (min 50%)
As on January 01, 2019
19,6%
262,2%
138,4%
20,0%
325,4%
140,3%
* preliminary data