~61,000 >1,700,000

Overview About Vozrozhdenie Bank A reliable bank for small and medium-sized businesses and retail clients Vozrozhdenie Bank, a leading Russian financial institution with its history dating back more than 20 years, is rated among TOP-30 Russian banks. The Vozrozhdenie Bank branch network covers 21 regions of the Russian Federation. The bank’s most valuable asset is its long-standing relationships with its clients, which are built on reliability and responsiveness. Murmansk Kaliningrad Saint Petersburg Magadan Petrozavodsk Yaroslavl Moscow Ryazan Tula Nizhny Novgorod RUSSIA Voronezh Saransk Novorossiysk Rostov-on-Don Volgodonsk Krasnodar Volgograd Khabarovsk Stavropol Barnaul Makhachkala IN MOSCOW AND THE MOSCOW TOTAL: REGION: ~61,000 1,210 794 Corporate Accounts service outlets service outlets The bank makes every effort to develop and diversify its customer base, focusing 53 34 on cooperation with small and medium branches branches enterprises (SMEs) Information on the performance of this business 80 43 line is available on page 37 Vozrozhdenie additional offices additional offices Bank 9 7 operational and operational and >1,700,000 cash offices cash offices Retail Customers 904 551 The bank develops its retail operations by ATMs ATMs expanding the scope and increasing profitability of its loan portfolio, expanding customer funding and improving bank card infrastructure 5,901 3,185 POS-terminals POS-terminals Information on the performance of this business line is available on page 43 Vozrozhdenie Bank Offices Contents Overview in the Moscow Region Overview Overview About Vozrozhdenie Bank inside title Key Indicators 02 Key Events 06 Taldom Dubna Bank History 08 Dmitry L. Orlov 10 KIin Strategic Report Dmitrov Sergiev Posad Letter from the Chairman Lotoshino of the Board of Directors 12 Solnechnogorsk Letter from the Chairman Strategic ReportStrategic Volokolamsk Pushkino of the Management Board 14 Shakhovskaya Ivanteyevka Sychevo Khimki Korolev Strategy 18 Istra Dedovsk Noginsk Key Performance Indicators (KPI) 22 Mitischi Shchiolkovo Moscow Balashikha Orekhovo-Zuevo Business model 28 Krasnogorsk Pavlovsky Posad Zvenigorod Reutov Elektrostal Ruza Zheleznodorozhny Operating efficiency 30 Odintsovo Lyubertsy Roshal Dzerzhinsky Zhukovsky Banking technologies 32 Ramenskoye Kurovskoye Shatura Mozhaysk Vidnoe Beloozersky Market overview 34 97th km Minskoe shosse Aprelevka Domodedovo Overview of business results 37 Podolsk Egorievsk – Corporate business 37 Naro-Fominsk Bronnitsy Voskresensk – Retail business 43 – Bank cards 47 – Financial markets 50 Chekhov Malino Mikhnevo Kolomna Risk management 54 Governance Corporate Lukhovitsy Ofﬁces Serpukhov Stupino Corporate Governance Branches Kashira Pushchino Zaraisk Corporate Governance Code 64 External cash desks Corporate Governance Structure 66 The Annual General Meeting of Shareholders 67 The Board of Directors 67 Serebryanye Prudy The Board of Directors’ Committees 74 The Management Board 75 Internal Control System 81 Information for Shareholders Information for Shareholders for Information THE BANK’S ORDINARY SHARES ARE TRADED Share Capital 82 ON THE MOSCOW EXCHANGE ON THE FIRST LEVEL (HIGHEST) Dividends and Dividend Policy 83 Information Disclosure 84 Information about Compliance VZRZ VZRZP with the Corporate Governance Code 84 ordinary shares preferred shares Insider Information Protection Policy 84 794 Related-Party Transactions 85 service outlets Significant Transactions 85 THE BANK WAS ASSIGNED THE FOLLOWING LONG-TERM CREDIT RATING: Corporate Responsibility 34 HR Policy 86 Bank and Society 92 branches 1 Responsibility Corporate Ba3 BB- Environmental Protection 94 Moody’s Standard & Poor’s Financial Statements 43 Report of the independent auditor additional offices on the summary consolidated financial MARKET POSITION statements 97 Summary Consolidated Statement 7 3rd in terms of SME lending4 of Financial Position 98 operational and 8th in terms of mortgage loans for housing under construction2 Summary Consolidated Statement of Profit 4 or Loss and Other Comprehensive Income 99 cash offices 13th in terms of actively used bank cards Summary Consolidated Statement 21st in terms of private deposits4 of Changes in Equity 100 25th in terms of lending to corporate clients4 Summary Consolidated ReportFinancial 551 33rd in terms of reliability, assets and capital3 Statement of Cash Flows 101 4 Note to the Summary Consolidated ATMs 36th in terms of assets Financial Statements 102 93rd by market value among the TOP-200 largest Russian companies4 3,185 1 As of December 31, 2014. In February 2015, the Moody’s rating was revised to B1. For more information please go to POS-terminals 2 According to data provided at the portal of the Russian Mortgage Analytical Centre and our corporate website www.vbank.ru Expert RA Rating Agency. 3 Forbes rating. 4 Expert RA ratings. ANNUAL REPORT 2014 VOZROZHDENIE BANK 01.

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