2. Mission 2 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.

3. “CHELINDBANK” at a Glance3
“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
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”)
One of the Largest Russian Regional Banks
Customer Base
Over 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 Ratings
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”

4. Licenses 4 Licenses Participation in associations and unions
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
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 associations and unions
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.

5. 5
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.

6. Assets, Capital, Share Capital6
Assets, Capital, Share Capital
As on : Share capital – 809 mln.rubles Capital – 6,6 billion rubles Assets – 37,0 billion rubles

7. Customer Services 7 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

8. 8
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.
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”
Corporate banking

9. Cooperation with the EBRD9
Cooperation with the EBRD
The Bank has been dealing with small and medium business lending under the EBRD program since 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 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.

10. The principle conditions10
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.

11. Correspondent Network11
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

12. 12
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 total amount of rendered retail credits comprised 8,1 billion rubles.
The Bank offers a wide range of time deposits, that makes possible different variants of depositing and saving individual funds.
As at the total amount of attracted individual funds comprised approximately 19,7 billion rubles.

13. 13
Bank Cards Operations
As at 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.

14. CHELINDBANK Assets Structure14
CHELINDBANK Assets Structure
As on the Assets comprise ,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 – ,3 mln. RUR
Fixed assets – 3 143,7 mln. RUR
Other assets– 900,1 mln. RUR
CHELINDBANK Liabilities Structure
As on the Liabilities are:
Due to Banks – 926,5 mln. RUR
Due to corporate customers – 6 387,1 mln. RUR
Due to individuals – ,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

15. Financial results RAI (published reports)15
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)
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
Other liabilities
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*
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