ANNUAL REPORT 2011 Annual report — 2011 1 Moscow London Volgograd Rostov-on-Don Krasnodar Stavropol Sochi Mikhailovka Veshenskaya At the forefront of sustainable Millerovo banking in southern Russia Volzhsky Oblivskaya Volgograd Center-Invest Bank’s mission statement: to provide the local population Kamensk-Shakhtinsky Morozovsk and businesses in southern Russia with banking services on the basis of international Belaya Kalitva standards and modern banking technologies. Krasny Sulin Shakhty Rodionovo-Nesvetayskaya Konstantinovsk Tsimlyansk Matveyev Kurgan Novocherkassk Semikarakorsk Volgodonsk Chaltyr Pokrovskoe Aksai Bolshaya Martynovka Taganrog Rostov-on-Don Bataisk Vesyoly Azov Zernograd Kagalnitskaya Orlovsky Yeisk Tselina Proletarsk Kushchevskaya Yegorlykskaya Salsk Leningradskaya Krylovskaya Peschanokopskoe Novopokrovskaya Belaya Glina Timashevsk Kropotkin Stavropol Zheleznovodsk Mineralnie Vodi Krasnodar Essentuki Armavir Pyatigorsk Anapa Novorossiisk Labinsk Gelendzhik Tuapse Sochi ANNUAL REPORT 2011 Head Office: 62 Sokolova Avenue, Rostov-on-Don, 344000, Russia, tel: +7 (863) 2-000-000 www.centrinvest.ru
[email protected] Banking licence No. 2225 issued by the Central Bank of the Russian Federation on 26 January 1998 3 Dear shareholders, customers and partners of Center-invest Bank! For Center-invest Bank, sustainable banking is not only about being socially and environmentally responsible; it also entails a commitment to a business model that focuses on long-term profitability in the interests of current and future generations, rather than on speculative, instantaneous gains. In 2011, at a time of volatility on the speculative markets, the sustainable banking business model was shown to offer competitive advantages. Moody’s confirmed this when it upgradedCenter-invest Bank’s international rating to Ва3 and our national scale rating to Аа3.ru.