Address of the Chairman of the Bank Dear stockholders, partners and customers of our Bank, Let me represent to you the Annual Report of the JSCB “Energobank” for year 2012. Our progress shows that the year passed has been another successful stage of our Bank’s development. Due to our good financial performance and dynamism, the Expert RA rating agency raised the solvency rating of JSCB “Energobank” to level “A” – High Solvency Rating. This allows us to face the future with confidence and to plan the further development of all our main activities. Despite moderately negative situation of the Russian economy in 2012, the Bank met its targets decently, strengthened its position on financial markets, and enhanced the efficiency of its activities, which found its expression in increasing its profit by 23.3%. As before, the Bank is interested in developing each customer’s business, it acts as a reliable partner, a financial advisor, by offering banking products that optimally meet the customer’s business development targets. The Bank’s main strategic goal is the further development of corporate and retail businesses, the retention and brisk growth of branch network within and outside of the Republic of Tatarstan. In prospect, the Bank is planning to broaden the credit portfolios of both our corporate and individual customers by increasing credit volumes and extending the product line, to improve the customer servicing quality and the efficiency of business processes due to implementing the new Automated Banking System. We wish every success to our stockholders, customers and business partners and hope for further fruitful collaboration. D.I. Vagizov Chairman JSCB “Energobank” 2012 ANNUAL REPORT ANNUAL REPORT 2012 4 5 General Information about the Bank JSCB “Energobank” has been participating in the obligatory deposit insurance schemes since 2005. Full business name: The above is confirmed by the Certificate No. 843 dated July 28, 2005. Joint-Stock Commercial Bank “Energobank” Auditor’s Details: Abbreviated name: For the Russian and international financial reporting standards: JSCB “Energobank” Limited Liability Company “Sredne-Volzhskoye ekspertnoye buro” The Bank was founded: Location: 60 Vosstaniya str., 420039, Kazan, Republic of Tatarstan, Russia. On March 2, 1989; CB RF License No. 67 Tel./fax: +7 (843) 555-69-92, e-mail: [email protected] State registration: State Registration Certificate # 2744/Yu-K dated July 2, 1999, issued by the State Location and postal address: Registration Chamber of the Ministry of Justice of the Republic of Tatarstan (Kazan Office #1); The Bank’s registered head office is located at: 32 Sary Sadikovoy str., 420021 Kazan, Republic of Tatarstan, Certificate of Record in the Uniform State Register of Legal Entities of the Legal Entity registered prior to Russia. July 1, 2002, primary state registration number 1021603278663, date of recording: November 22, 2002, The Bank does not have any banking facilities. registering authority: Inspection of the Ministry for Taxes and Charges of the Russian Federation for the As of January 1, 2013, along with its head office, the Bank had 13 branches in Kazan and one branch per each Moskovsky District of Kazan. of the following towns: Almetyevsk, Bugulma, Naberzhniye Chelny, Nizhnekamsk, and one operational office Director’s name: Alexander Nikolayevich Falaleyev within the Volga Federal District (in Cheboksary). The Bank’s Registrar: Certificate of state registration of the company: Limited Liability Company “Yevroaziatsky Registrator” #1021600000289 of August 13, 2002, registration number with the Bank of Russia #67, dated May 21, 1999 Location: 2 Stolbova str., 420021, Kazan, Republic of Tatarstan, Russia. Address: POB 238, 420021, Kazan, Republic of Tatarstan, Russia. Web site: www.energobank.ru Tel./fax: +7 (843) 236-93-15 Authorized capital details: Principle State Registration Number: 1021603631224; INN (Taxpayer ID): 1660055801 The Bank’s authorized capital is 2,137,400,000.00 Russian Rubles (RUB). It is divided into 21,374,000 License No. 10-000-1-00332 dated March 10, 2005 registered ordinary shares, the par value of one share is RUB 100.00. Duration of license: without limitations on duration; License issuing authority: Federal Securities Market Commission The Bank performs its activities under the following licenses: Head’s name: Eduard Fanisovich Badretdinov y License for performing banking transactions in Russian Rubles and in foreign currencies; y License of a professional participant of the equity market for performing brokerage The Bank’s Situation in Banking Area and in Ratings: activities; JSCB “Energobank” is one of the most reliable and stably developing banks. Among the Bank’s clients, there y License of a professional participant of the equity market for performing dealing activities; are large and dynamically developing industrial enterprises, trade and construction companies, SMEs, as well y License of a professional participant of the equity market for performing depository as non-incorporated entrepreneurs. The Bank’s basic working principles are our client focus and conformity activities; with market trends. The Bank’s activities are based on establishing long-term partner relationships with its y License for performing activities using National Security Information; customers, customization of services, development of banking service systems, rendering real assistance y License for providing information encryption services; to its customers, including consulting them in order to help them perform their economic activities. The y License for distribution of cryptographic facilities; most important criterion of Energobank’s success is its customers’ trust. When working with its customers, y License for cryptographic facilities maintenance. the Bank puts itself the following primary tasks: Providing the highest comfort of the services offered, transparency of all activities, high servicing quality. The Bank’s membership in international payment systems, card schemes, associations, On May 17, 2012, the “Expert RA” Rating Agency raised the Bank’s level to A – “High Solvency Rating”. exchanges: According to the RBC-Rating Agency, the Bank is in the 99th place in the “Top 500 Russian Banks Granting y Currency Section of Moscow Interbank Currency Exchange (MICEX); Corporate Loans as of January 1, 2013” rating, and the 4th place among the banks of the Republic of y Association of Russian Banks (ARB); Tatarstan. According to the same Agency, with its 269th place in Russia and the 11th place among regional y Bank Association of Tatarstan (BAT); banks, the Bank was rated among the “Most Profitable and Effective Banks”. In the list of “Top 500 Banks by y Society for Worldwide Interbank Financial Telecommunications (SWIFT); Loan Portfolio as of January 1, 2013”, JSCB “Energobank” is in the 126th place among the Russia’s and in the y member in good standing of such payment systems as MasterCard Int, VISA Int, Global rightful fourth place among the Tatarstan’s banks. Payment System (GPS). The Bank’s financial performance gives evidence of its stable position on the market and creates opportunities for efficient solving new, tremendous tasks. 2012 ANNUAL REPORT ANNUAL REPORT 2012 6 7 Bank Management 5. Oleg Radiyevich Kondrashev [Born in 1959.] In 1982, graduated from Kazan S.M. Kirov Chemical-Engineering Institute; Details of the major shareholder possessing more than 1% of voting Starting from 2007 – Deputy Director General on Security at OAO “Edelveis Group”; shares of JSCB “Energobank” Starting from 2008 – Member of the Supervisory Board of JSCB “Energobank”. Closed Joint Stock Company “Edelveis Corporation”: 6. Venera Yuriyevna Petrushenko [Born in 1951.] y Participatory interest: 99.77% of voting shares of the Company; In 1973, graduated from Kazan State V.V. Kuibyshev Finance and Economics Institute. y OGRN (Principle State Registration Number): 1101690070790, date of state registration: December 20, 2010. Starting from 2007 – Director of Corporate Governance Division at OAO “Edelveis Group”; Address: 11 Pushkina str., Kazan 420111, Russia Starting from 2008 – Member of the Supervisory Board of JSCB “Energobank”; According to the resolution of the Stockholders Meeting, the net profit was completely distributed to the Starting from 2011 – Member of the Board of Directors of OAO “GUM-3”. Bank’s contingency fund, no dividends for year 2011 were paid. 7. Olga Vyacheslavovna Ryazanova [Born in 1978.] In 2000, graduated from Kazan State V.V. Kuibyshev Finance and Economics Institute. Supervisory Board Starting from 2010 – Director of the OOO FPK “Edvos”; Starting from 2010 – Member of the Supervisory Board of JSCB “Energobank”. Information on the composition of the Bank’s Supervisory Board within the reporting year: Supervisory Board Composition Supervisory Board Composition Members of the Supervisory Board do Bank Management as of December 31, 2011 as of December 31, 2012 not possess any shares in the Bank’s charter capital or any Bank’s ordinary The sole executive authority of the Bank is: Chairman Chairman shares; they have not performed any Dmitry Ilgizovich Vagizov, the Chairman of JSCB “Energobank” Ilshat Nazipovich Khairullin Ilshat Nazipovich Khairullin transactions of purchasing or selling any Members of the Supervisory Board: Members of the Supervisory Board: Bank’s shares within the reporting year. Details of the individuals being the members of the Bank’s collegial Dmitry Ilgizovich Vagizov Dmitry Ilgizovich Vagizov No remunerations were paid