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A dog named Johnny Depp is lost in the V.D.S Club and the owner needs help finding it as they are banned from the club. The owner provides a description of Johnny Depp and wishes the reader good luck in finding the dog. A club member mentions seeing something that could have been the dog moving into the kitchen.God gives the nuts, but he does not crack them.
God gives the nuts, but he does not crack them.Rhea Myers
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This document contains a collection of quotes and thoughts on various topics including technology, information, the internet, and business. It discusses how technology is changing behaviors and business models, with information and people's attention becoming the new commodities. The document concludes by suggesting businesses enable cross-channel platforms and partnerships to engage customers.Fact sheet 6M 2013 ENG
Fact sheet 6M 2013 ENGBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of history in Russia and is currently one of the leading banks in the country, ranked 28th by assets. It has a network of 142 branches across 21 Russian regions, serving over 63,000 corporate and 1.7 million retail clients. The bank focuses on lending to small and medium enterprises, mortgages, consumer lending, and fee income generation. Its key shareholders are Dmitry Orlov, Otar Margania, and JPM International Consumer Holding Inc.Open Workshop 2.0 Innovation Proposals
Open Workshop 2.0 Innovation Proposals旅硫了旅凌慮流虜侶 & 劉僚凌 了侶凌侶侶, 留僚竜旅流亮旅凌 留ﾎ
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留旅僚凌亮竜 略竜旅 - 凌略竜旅 亮略隆僚 粒留溜留 留 了留溜旅留 凌 竜虜留旅隆竜旅虜凌 凌粒略亮亮留凌 "竜僚侶旅虜流 留旅僚凌凌亮溜留 & 侶亮旅凌粒旅虜侶留" 凌 僚凌旅虜凌 粒留侶溜凌 侶 旅硫了旅凌慮流虜侶 & 劉僚凌 了侶凌侶侶 凌 留僚. 留ﾎwho am I
who am IBonnie Lin
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Bonnie introduces herself as a senior student at Providence University who will soon graduate. She hopes to find a good job in the future to earn money. Bonnie describes herself as curious, easygoing, and girlish with interests in music, the internet, television, and travel. She identifies herself as Bonnie and says she just wants to be herself.9M 2011 IFRS Report ENG
9M 2011 IFRS Report ENGBank Vozrozhdenie IR Team
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This document provides interim financial statements for Bank Vozrozhdenie for the period ended September 30, 2011. It includes statements of financial position, comprehensive income, changes in equity, and cash flows. Notes to the financial statements provide additional details on accounting policies, cash and cash equivalents, trading securities, loans to customers, and financial risk management. The bank saw increases in total assets and liabilities compared to the prior year.Aspenware TechMunch presents: mobile communities of interest
Aspenware TechMunch presents: mobile communities of interestAspenware
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The document discusses the importance of mobile technology in connecting communities and emphasizes that it's about the people and their interests rather than the technology itself. It highlights the significant number of mobile users and the growing trend of mobile internet and app usage, particularly for social interactions. It concludes with strategies on how to effectively engage with communities of interest and acknowledges the power of tribes in creating meaningful connections.Investor presentation 1014 eng
Investor presentation 1014 engBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of experience in banking and provides retail and commercial banking services across 21 Russian regions. It has a focus on serving SMEs and retail customers through relationships and core banking products. The bank has a conservative business model with organic growth, low risk appetite, and customer deposits as the primary funding source. Recent IFRS results show a decrease in corporate loans and increase in retail deposits, maintaining a loan to deposit ratio within targeted ranges.Investor presentation 1014 rus
Investor presentation 1014 rusBank Vozrozhdenie IR Team
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舒仆从 束仂亰仂亢亟亠仆亳亠損 磦仍磳 仆舒亟亠亢仆仄 亠亞亳仂仆舒仍仆仄 弍舒仆从仂仄, 亟亠仄仂仆亳ﾑ亳仄 仗亠仆仂亠 舒亰于亳亳亠 亰舒 弍仂仍亠亠 亠仄 20 仍亠 亳 舒弍亳仍仆仂 于仂从亳亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳. 亟仂从仄亠仆亠 仗亠亟舒于仍亠仆 亟亠舒仍亳 亠亞仂 弍亳亰仆亠-仄仂亟亠仍亳, 从 舒从亳于仂于 亳 仂弍磶舒亠仍于, 舒 舒从亢亠 仗亠仆亠 舒亠亞亳亳 于 从亠亟亳仂于舒仆亳亳 亳 亳仆于亠亳亳, 仂 仗仂亟于亠亢亟舒亠 仆舒亞舒亟舒仄亳 亳 亠亶亳仆亞舒仄亳. 舒仆从 舒从亳于仆仂 舒亰于亳于舒亠 于仂 亳仍亳舒仍仆 亠 亳 仍舒亠 仍亞亳 亟仍 从仍亳亠仆仂于 从舒从 于 亠亞仄亠仆亠 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 舒从 亳 亟仍 从仂仗仂舒亳于仆 从仍亳亠仆仂于.Factsheet eng_2Q 2014
Factsheet eng_2Q 2014Bank Vozrozhdenie IR Team
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Bank Vozrozhdenie is a leading Russian bank ranked 34th by assets that has operated since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has a network of 142 outlets and over 800 ATMs across Russia. Its main shareholders are Dmitry Orlov, Chairman of the Board of Directors (30.70%), Otar Margania, Member of the Board of Directors (18.65%), and JPM International Consumer Holding Inc. (9.37%).Factsheet ru_2从于 2014
Factsheet ru_2从于 2014 Bank Vozrozhdenie IR Team
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舒仆从 束仂亰仂亢亟亠仆亳亠損 弍仍 仂仆仂于舒仆 于 1991 亞仂亟 亳 仆舒 亠亞仂亟仆仆亳亶 亟亠仆 亰舒仆亳仄舒亠 仗仂亰亳亳亳 于 亳仍亠 于亠亟亳 亳仆舒仆仂于 亳仆亳仂于 仂亳亳. 仆仂于仆亠 仆舒仗舒于仍亠仆亳 亠亞仂 亟亠亠仍仆仂亳 于从仍ﾑ舒ﾑ 从亠亟亳仂于舒仆亳亠 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 仗仂亠弍亳亠仍从仂亠 从亠亟亳仂于舒仆亳亠 亳 亳仗仂亠从, 仗亳 仂仄 弍舒仆从 仂弍仍亢亳于舒亠 仂从仂仍仂 1,7 仄亳仍仍亳仂仆舒 从仍亳亠仆仂于. 舒仆从 仗弍仍亳从亠 仂亠仆仂 仗仂 仄亠亢亟仆舒仂亟仆仄 舒仆亟舒舒仄 亳 亳仄亠亠 仂仂亳亠 从亠亟亳仆亠 亠亶亳仆亞亳 仂 仄亠亢亟仆舒仂亟仆 舒亞亠仆于.Investor presentation rus 09/14
Investor presentation rus 09/14 Bank Vozrozhdenie IR Team
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舒仆从 '仂亰仂亢亟亠仆亳亠' 磦仍磳 亠亞亳仂仆舒仍仆仄 亳仆舒仆仂于仄 亠亢亟亠仆亳亠仄, 仂亳亠仆亳仂于舒仆仆仄 仆舒 仄舒仍亶 亳 亠亟仆亳亶 弍亳亰仆亠, 舒 舒从亢亠 仂亰仆亳仆 从仍亳亠仆仂于, 弍仂仍亠亠 亠仄 20-仍亠仆亠亶 亳仂亳亠亶 亳 亠 亳亰 34 亳仍亳舒仍仂于 于 仂从于亠 亳 仂亟仄仂从仂于亠. 亟仂从仄亠仆亠 仗亠亟舒于仍亠仆 从仍ﾑ亠于亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳, 仗亠亳 于 亠亶亳仆亞舒 亳 仆舒亞舒亟舒, 亠亟亳 从仂仂 仗亳亰仆舒仆亳亠 仍亳仄 弍舒仆从仂仄 于 仂亳亳 亳 于仂从亳亠 仂亠仆从亳 仗仂 从仂仗仂舒亳于仆仂仄 仗舒于仍亠仆亳 亳 仗仂亰舒仆仂亳. 舒仆从 舒从亳于仆仂 舒亰于亳于舒亠 从亠亟亳仂于舒仆亳亠 亳 仗亠亟仂舒于仍磳 亳仂从亳亶 仗亠从 仍亞, 仗仂亟仂仍亢舒 从亠仗仍 于仂亳 仗仂亰亳亳亳 仆舒 仆从亠.Investor presentation eng 09/14
Investor presentation eng 09/14Bank Vozrozhdenie IR Team
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This investor presentation provides an overview of Bank Vozrozhdenie, a Russian bank with over 20 years of operations. It summarizes the bank's history, awards and recognition, business model, financial results, loan portfolio breakdown, and strategy. The bank focuses on core banking products and personal service, with a customer-oriented organic growth strategy. It has a conservative balance sheet primarily funded by deposits. Recent results show contracting corporate loans being offset by growth in retail loans and deposits. The presentation also outlines the bank's diversified regional presence and focus on SME, mortgage, and consumer lending.Financial statement v bank-Ifrs q2 2014_rus
Financial statement v bank-Ifrs q2 2014_rusBank Vozrozhdenie IR Team
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仂从仄亠仆 仂亟亠亢亳 仂从舒亠仆仆 仗仂仄亠亢仂仆 从仂仆仂仍亳亟亳仂于舒仆仆 亳仆舒仆仂于 仂亠仆仂 弍舒仆从舒 束仂亰仂亢亟亠仆亳亠損 亰舒 亠 仄亠亠于, 亰舒从仂仆亳于亳 30 亳ﾐ術 2014 亞仂亟舒, 于 仂仂于亠于亳亳 仄亠亢亟仆舒仂亟仆仄亳 舒仆亟舒舒仄亳 亳仆舒仆仂于仂亶 仂亠仆仂亳. 仂亠亠 仗亠亟舒于仍亠仆 从仍ﾑ亠于亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳, 于从仍ﾑ舒 仗仂亠仆仆亠 亟仂仂亟, 亳 仗亳弍仍 亳 亳亰仄亠仆亠仆亳 于 从舒仗亳舒仍亠. 丐舒从亢亠 于从仍ﾑ亠仆 仗亳仄亠舒仆亳, 从舒舒ﾑ亳亠 亠仆仂亶 仗仂仍亳亳从亳 亳 于舒亢仆 仂亠仆仂从, 仗亳仄亠仆磳仄 亟仍 仗仂亟亞仂仂于从亳 仂亠仆仂亳.Financial statement v bank-Ifrs q2 2014_eng
Financial statement v bank-Ifrs q2 2014_engBank Vozrozhdenie IR Team
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This document provides interim summarized consolidated financial statements for Bank Vozrozhdenie as of June 30, 2014. It includes the consolidated statement of financial position, consolidated statement of profit or loss and other comprehensive income, consolidated statement of changes in equity, consolidated statement of cash flows, and notes to the financial statements. The notes provide details on cash and cash equivalents, trading securities, loans and advances to customers, and other line items in the financial statements. Overall, the document presents the bank's unaudited financial position and performance for the first half of 2014.Investor presentation H1 2014
Investor presentation H1 2014Bank Vozrozhdenie IR Team
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- The document appears to be a financial report from a bank providing quarterly results for Q2 2014.
- Key highlights include stable assets, diversified funding sources replacing market funding, loan portfolio down slightly, and improving customer deposits and funds.
- Credit quality was also maintained with non-performing loans down and provisions sufficient to cover losses.
- Net profit increased slightly from the previous quarter due to stable net interest income and fees.Press release ifrs q1_2014_eng
Press release ifrs q1_2014_engBank Vozrozhdenie IR Team
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Bank Vozrozhdenie earned RUB428 million in net income in Q1 2014, a 28.5% increase over Q1 2013. Key highlights include:
- Assets were flat at RUB210.8 billion while loans grew 2% to RUB171.6 billion, driven by expansion in SME and mortgage lending.
- Net interest income declined 2.1% from Q4 2013 to RUB2.6 billion due to higher deposit rates increasing costs, while net interest margin was maintained at 4.9%.
- Provisions for loan losses increased to RUB0.9 billion, resulting in a 40.9% decline in net profit from the previous quarter.Press release ifrs 3_m_2014_rus
Press release ifrs 3_m_2014_rusBank Vozrozhdenie IR Team
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仗亠于仂仄 从于舒舒仍亠 2014 亞仂亟舒 弍舒仆从 '仂亰仂亢亟亠仆亳亠' 亟仂亳亞 亳仂亶 仗亳弍仍亳 于 428 仄亳仍仍亳仂仆仂于 弍仍亠亶, 仂 仆舒 28,5% 弍仂仍亠, 亠仄 于 舒仆舒仍仂亞亳仆仂仄 仗亠亳仂亟亠 2013 亞仂亟舒. 亠亟亳仆亶 仗仂亠仍 于亠仍亳亳仍 仆舒 2% 亟仂 171,6 仄亳仍仍亳舒亟仂于 弍仍亠亶, 仗亳 仂仄 弍舒仆从 舒从亳于仆仂 仆舒舒亳于舒仍 从亠亟亳仂于舒仆亳亠 于 亠亞仄亠仆舒 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 舒 舒从亢亠 亳仗仂亠从亳. 亠仄仂 仆舒 仂仂从 从仍亳亠仆从亳 亠亟于, 弍舒仆从 仂舒仆亳仍 仂亶亳于 仍亳从于亳亟仆仂 亳 仂弍亠仗亠亳仍 仗仂仍仆仂亠 仗仂从亳亠 亠亰亠于舒仄亳 于亠亶 仗仂弍仍亠仄仆仂亶 亰舒亟仂仍亢亠仆仆仂亳.Investor presentation june-2014_ru
Investor presentation june-2014_ruBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of experience in banking and provides retail and commercial banking services. It has a network of 143 offices and 874 ATMs across 21 Russian regions. The bank focuses on core banking products and personal service. It has a loan portfolio of RUB 171.6 billion, with retail loans making up 41% and corporate loans 59%. Retail loans are focused on mortgages, while corporate loans support small and medium enterprises. The bank maintains a conservative balance sheet with liquid assets and is primarily deposit funded.Investor presentation en
Investor presentation enBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of experience in banking and provides retail and commercial banking services. It has a network of 142 offices and 883 ATMs across 21 Russian regions. The bank focuses on core banking products and personal service. It has a loan portfolio of RUB 171.6 billion, with retail loans making up 70% and being led by mortgages. The bank aims to continue expanding its retail portfolio, particularly in mortgages, and serving its over 1.7 million retail and 63,400 corporate and SME clients.Financial statement v bank-ifrs_1_q14_rus
Financial statement v bank-ifrs_1_q14_rusBank Vozrozhdenie IR Team
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仂从仄亠仆 仂亟亠亢亳 仗仂仄亠亢仂仆 从仂仆仂仍亳亟亳仂于舒仆仆 亳仆舒仆仂于 仂亠仆仂 弍舒仆从舒 束仂亰仂亢亟亠仆亳亠損 仗仂 仂仂礌亳 仆舒 31 仄舒舒 2014 亞仂亟舒, 仗仂亟亞仂仂于仍亠仆仆 于 仂仂于亠于亳亳 仄亠亢亟仆舒仂亟仆仄亳 舒仆亟舒舒仄亳. 仆仂于仆亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳 于从仍ﾑ舒ﾑ 仗仂亠仆仆亠 亟仂仂亟, 亳 仗亳弍仍 亰舒 仂亠仆亶 仗亠亳仂亟 亳 亟亳仆舒仄亳从 亟亠仆亠亢仆 亠亟于. 亳于亠亟亠仆 仗仂亟仂弍仆亠 亟舒仆仆亠 仂 从亠亟亳舒, 亠仆仆 弍仄舒亞舒 亳 仗舒于仍亠仆亳亳 亳从舒仄亳 于 弍舒仆从亠.Financial statement v bank-ifrs_1_q14_eng
Financial statement v bank-ifrs_1_q14_engBank Vozrozhdenie IR Team
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This document provides the interim summarized consolidated financial statements of Bank Vozrozhdenie for the three months ended March 31, 2014. It includes the consolidated statement of financial position, consolidated statement of profit or loss and other comprehensive income, consolidated statement of changes in equity, consolidated statement of cash flows, and accompanying notes. The notes provide details on the bank's cash and cash equivalents, trading securities, loans and advances to customers, and movement in provisions for loan impairments for the period. Overall, the document presents the key financial positions and performance of Bank Vozrozhdenie for the first quarter of 2014.Factsheet q1 2014_eng
Factsheet q1 2014_engBank Vozrozhdenie IR Team
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Bank Vozrozhdenie is a leading Russian bank ranked 28th by assets that has operated since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has a network of 143 branches and 880 ATMs across 21 Russian regions, serving over 63,000 corporate and 1.7 million retail clients. The majority of the current management team has been with the bank for over 15 years. The main shareholders are Dmitry Orlov, Otar Margania, and JPM International Consumer Holding Inc.Factsheet q1 2014_ru
Factsheet q1 2014_ruBank Vozrozhdenie IR Team
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舒仆从 束仂亰仂亢亟亠仆亳亠損 弍仍 仂仆仂于舒仆 于 1991 亞仂亟 亳 亰舒仆亳仄舒亠 从仍ﾑ亠于亠 仗仂亰亳亳亳 仆舒 仆从亠, 于从仍ﾑ舒 28 仄亠仂 仗仂 舒从亳于舒仄 亳 9 仄亠仂 仗仂 亳仗仂亠仆仄 从亠亟亳舒仄. 舒仆从 仂弍仍亢亳于舒亠 仂从仂仍仂 63 400 从仂仗仂舒亳于仆 从仍亳亠仆仂于 亳 1,7 仄亳仍仍亳仂仆舒 舒仆 从仍亳亠仆仂于, 仂仆仂于仆仄亳 仆舒仗舒于仍亠仆亳礆亳 于 从亠亟亳仂于舒仆亳亳 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒. 从亳亳 弍舒仆从舒 从仂亳ﾑ 仆舒 仂从仂于从仂亶 弍亳亢亠, 舒 亠亞仂 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳 仗弍仍亳从ﾑ 1991 亞仂亟舒.Vzrz q1 2014_ifrs_results_eng
Vzrz q1 2014_ifrs_results_engBank Vozrozhdenie IR Team
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1) The bank's interest-earning assets grew to 82% of its balance sheet as of Q1 2014. The bank's loan portfolio grew 1.7% QoQ to RUB 171.6 billion, led by a 2.8% growth in retail mortgages.
2) Net profit declined 40.9% QoQ to RUB 428 million in Q1 2014 due to a 3.7x increase in loan loss provisions. However, net interest income was stable at RUB 2.6 billion and the net interest margin reached the bank's target of 4.9%.
3) Non-performing loans increased by RUB 776 million in Q1 2014 but the bank亠亰亠仆舒亳 亟仍 亳仆于亠仂仂于 仂磡 2013
亠亰亠仆舒亳 亟仍 亳仆于亠仂仂于 仂磡 2013Bank Vozrozhdenie IR Team
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仂从仄亠仆 仗亠亟舒于仍磳 仂弍仂亶 仗亠亰亠仆舒亳 弍舒仆从舒 '仂亰仂亢亟亠仆亳亠', 仂仗亳于舒ﾑ 亠亞仂 仗亠仆仂亠 舒亰于亳亳亠 亳 亟仂亳亢亠仆亳 仆舒 仂亳亶从仂仄 亳仆舒仆仂于仂仄 仆从亠 亰舒 弍仂仍亠亠 亠仄 20 仍亠. 舒仆从仂于从舒 从舒 仂亳亠仆亳仂于舒仆舒 仆舒 仂弍仍亢亳于舒仆亳亠 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 舒 舒从亢亠 仂亰仆亳仆 从仍亳亠仆仂于, 舒从亠仆仂仄 仆舒 亳仗仂亠仆仂亠 从亠亟亳仂于舒仆亳亠 亳 仆仂于亠 亳仆舒仆仂于亠 亠仆仂仍仂亞亳亳. 亠亰亠仆舒亳 舒从亢亠 于从仍ﾑ舒亠 亳仆仂仄舒亳 仂 从仍ﾑ亠于 亳仆舒仆仂于 仗仂从舒亰舒亠仍 亳 舒亠亞亳 舒亰于亳亳, 仗仂亟亠从亳于舒 亳仆于亠亳亳仂仆仆 仗亳于仍亠从舒亠仍仆仂 弍舒仆从舒.Investor presentation November 2013
Investor presentation November 2013Bank Vozrozhdenie IR Team
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- Bank Vozrozhdenie is a Russian bank that has been in operation since 1991 and has grown significantly over the past 20+ years.
- It has a focus on serving corporate/SME and retail customers across 21 regions of Russia, with most of its presence and history in the Moscow Oblast region.
- As of 2013, it had over 1.7 million retail clients, 63,400 corporate/SME clients, and various credit ratings reflecting its stability and growth.More Related Content
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Investor presentation 1014 eng
Investor presentation 1014 engBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of experience in banking and provides retail and commercial banking services across 21 Russian regions. It has a focus on serving SMEs and retail customers through relationships and core banking products. The bank has a conservative business model with organic growth, low risk appetite, and customer deposits as the primary funding source. Recent IFRS results show a decrease in corporate loans and increase in retail deposits, maintaining a loan to deposit ratio within targeted ranges.Investor presentation 1014 rus
Investor presentation 1014 rusBank Vozrozhdenie IR Team
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舒仆从 束仂亰仂亢亟亠仆亳亠損 磦仍磳 仆舒亟亠亢仆仄 亠亞亳仂仆舒仍仆仄 弍舒仆从仂仄, 亟亠仄仂仆亳ﾑ亳仄 仗亠仆仂亠 舒亰于亳亳亠 亰舒 弍仂仍亠亠 亠仄 20 仍亠 亳 舒弍亳仍仆仂 于仂从亳亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳. 亟仂从仄亠仆亠 仗亠亟舒于仍亠仆 亟亠舒仍亳 亠亞仂 弍亳亰仆亠-仄仂亟亠仍亳, 从 舒从亳于仂于 亳 仂弍磶舒亠仍于, 舒 舒从亢亠 仗亠仆亠 舒亠亞亳亳 于 从亠亟亳仂于舒仆亳亳 亳 亳仆于亠亳亳, 仂 仗仂亟于亠亢亟舒亠 仆舒亞舒亟舒仄亳 亳 亠亶亳仆亞舒仄亳. 舒仆从 舒从亳于仆仂 舒亰于亳于舒亠 于仂 亳仍亳舒仍仆 亠 亳 仍舒亠 仍亞亳 亟仍 从仍亳亠仆仂于 从舒从 于 亠亞仄亠仆亠 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 舒从 亳 亟仍 从仂仗仂舒亳于仆 从仍亳亠仆仂于.Factsheet eng_2Q 2014
Factsheet eng_2Q 2014Bank Vozrozhdenie IR Team
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Bank Vozrozhdenie is a leading Russian bank ranked 34th by assets that has operated since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has a network of 142 outlets and over 800 ATMs across Russia. Its main shareholders are Dmitry Orlov, Chairman of the Board of Directors (30.70%), Otar Margania, Member of the Board of Directors (18.65%), and JPM International Consumer Holding Inc. (9.37%).Factsheet ru_2从于 2014
Factsheet ru_2从于 2014 Bank Vozrozhdenie IR Team
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舒仆从 束仂亰仂亢亟亠仆亳亠損 弍仍 仂仆仂于舒仆 于 1991 亞仂亟 亳 仆舒 亠亞仂亟仆仆亳亶 亟亠仆 亰舒仆亳仄舒亠 仗仂亰亳亳亳 于 亳仍亠 于亠亟亳 亳仆舒仆仂于 亳仆亳仂于 仂亳亳. 仆仂于仆亠 仆舒仗舒于仍亠仆亳 亠亞仂 亟亠亠仍仆仂亳 于从仍ﾑ舒ﾑ 从亠亟亳仂于舒仆亳亠 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 仗仂亠弍亳亠仍从仂亠 从亠亟亳仂于舒仆亳亠 亳 亳仗仂亠从, 仗亳 仂仄 弍舒仆从 仂弍仍亢亳于舒亠 仂从仂仍仂 1,7 仄亳仍仍亳仂仆舒 从仍亳亠仆仂于. 舒仆从 仗弍仍亳从亠 仂亠仆仂 仗仂 仄亠亢亟仆舒仂亟仆仄 舒仆亟舒舒仄 亳 亳仄亠亠 仂仂亳亠 从亠亟亳仆亠 亠亶亳仆亞亳 仂 仄亠亢亟仆舒仂亟仆 舒亞亠仆于.Investor presentation rus 09/14
Investor presentation rus 09/14 Bank Vozrozhdenie IR Team
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舒仆从 '仂亰仂亢亟亠仆亳亠' 磦仍磳 亠亞亳仂仆舒仍仆仄 亳仆舒仆仂于仄 亠亢亟亠仆亳亠仄, 仂亳亠仆亳仂于舒仆仆仄 仆舒 仄舒仍亶 亳 亠亟仆亳亶 弍亳亰仆亠, 舒 舒从亢亠 仂亰仆亳仆 从仍亳亠仆仂于, 弍仂仍亠亠 亠仄 20-仍亠仆亠亶 亳仂亳亠亶 亳 亠 亳亰 34 亳仍亳舒仍仂于 于 仂从于亠 亳 仂亟仄仂从仂于亠. 亟仂从仄亠仆亠 仗亠亟舒于仍亠仆 从仍ﾑ亠于亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳, 仗亠亳 于 亠亶亳仆亞舒 亳 仆舒亞舒亟舒, 亠亟亳 从仂仂 仗亳亰仆舒仆亳亠 仍亳仄 弍舒仆从仂仄 于 仂亳亳 亳 于仂从亳亠 仂亠仆从亳 仗仂 从仂仗仂舒亳于仆仂仄 仗舒于仍亠仆亳 亳 仗仂亰舒仆仂亳. 舒仆从 舒从亳于仆仂 舒亰于亳于舒亠 从亠亟亳仂于舒仆亳亠 亳 仗亠亟仂舒于仍磳 亳仂从亳亶 仗亠从 仍亞, 仗仂亟仂仍亢舒 从亠仗仍 于仂亳 仗仂亰亳亳亳 仆舒 仆从亠.Investor presentation eng 09/14
Investor presentation eng 09/14Bank Vozrozhdenie IR Team
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This investor presentation provides an overview of Bank Vozrozhdenie, a Russian bank with over 20 years of operations. It summarizes the bank's history, awards and recognition, business model, financial results, loan portfolio breakdown, and strategy. The bank focuses on core banking products and personal service, with a customer-oriented organic growth strategy. It has a conservative balance sheet primarily funded by deposits. Recent results show contracting corporate loans being offset by growth in retail loans and deposits. The presentation also outlines the bank's diversified regional presence and focus on SME, mortgage, and consumer lending.Financial statement v bank-Ifrs q2 2014_rus
Financial statement v bank-Ifrs q2 2014_rusBank Vozrozhdenie IR Team
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仂从仄亠仆 仂亟亠亢亳 仂从舒亠仆仆 仗仂仄亠亢仂仆 从仂仆仂仍亳亟亳仂于舒仆仆 亳仆舒仆仂于 仂亠仆仂 弍舒仆从舒 束仂亰仂亢亟亠仆亳亠損 亰舒 亠 仄亠亠于, 亰舒从仂仆亳于亳 30 亳ﾐ術 2014 亞仂亟舒, 于 仂仂于亠于亳亳 仄亠亢亟仆舒仂亟仆仄亳 舒仆亟舒舒仄亳 亳仆舒仆仂于仂亶 仂亠仆仂亳. 仂亠亠 仗亠亟舒于仍亠仆 从仍ﾑ亠于亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳, 于从仍ﾑ舒 仗仂亠仆仆亠 亟仂仂亟, 亳 仗亳弍仍 亳 亳亰仄亠仆亠仆亳 于 从舒仗亳舒仍亠. 丐舒从亢亠 于从仍ﾑ亠仆 仗亳仄亠舒仆亳, 从舒舒ﾑ亳亠 亠仆仂亶 仗仂仍亳亳从亳 亳 于舒亢仆 仂亠仆仂从, 仗亳仄亠仆磳仄 亟仍 仗仂亟亞仂仂于从亳 仂亠仆仂亳.Financial statement v bank-Ifrs q2 2014_eng
Financial statement v bank-Ifrs q2 2014_engBank Vozrozhdenie IR Team
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This document provides interim summarized consolidated financial statements for Bank Vozrozhdenie as of June 30, 2014. It includes the consolidated statement of financial position, consolidated statement of profit or loss and other comprehensive income, consolidated statement of changes in equity, consolidated statement of cash flows, and notes to the financial statements. The notes provide details on cash and cash equivalents, trading securities, loans and advances to customers, and other line items in the financial statements. Overall, the document presents the bank's unaudited financial position and performance for the first half of 2014.Investor presentation H1 2014
Investor presentation H1 2014Bank Vozrozhdenie IR Team
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- The document appears to be a financial report from a bank providing quarterly results for Q2 2014.
- Key highlights include stable assets, diversified funding sources replacing market funding, loan portfolio down slightly, and improving customer deposits and funds.
- Credit quality was also maintained with non-performing loans down and provisions sufficient to cover losses.
- Net profit increased slightly from the previous quarter due to stable net interest income and fees.Press release ifrs q1_2014_eng
Press release ifrs q1_2014_engBank Vozrozhdenie IR Team
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Bank Vozrozhdenie earned RUB428 million in net income in Q1 2014, a 28.5% increase over Q1 2013. Key highlights include:
- Assets were flat at RUB210.8 billion while loans grew 2% to RUB171.6 billion, driven by expansion in SME and mortgage lending.
- Net interest income declined 2.1% from Q4 2013 to RUB2.6 billion due to higher deposit rates increasing costs, while net interest margin was maintained at 4.9%.
- Provisions for loan losses increased to RUB0.9 billion, resulting in a 40.9% decline in net profit from the previous quarter.Press release ifrs 3_m_2014_rus
Press release ifrs 3_m_2014_rusBank Vozrozhdenie IR Team
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仗亠于仂仄 从于舒舒仍亠 2014 亞仂亟舒 弍舒仆从 '仂亰仂亢亟亠仆亳亠' 亟仂亳亞 亳仂亶 仗亳弍仍亳 于 428 仄亳仍仍亳仂仆仂于 弍仍亠亶, 仂 仆舒 28,5% 弍仂仍亠, 亠仄 于 舒仆舒仍仂亞亳仆仂仄 仗亠亳仂亟亠 2013 亞仂亟舒. 亠亟亳仆亶 仗仂亠仍 于亠仍亳亳仍 仆舒 2% 亟仂 171,6 仄亳仍仍亳舒亟仂于 弍仍亠亶, 仗亳 仂仄 弍舒仆从 舒从亳于仆仂 仆舒舒亳于舒仍 从亠亟亳仂于舒仆亳亠 于 亠亞仄亠仆舒 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 舒 舒从亢亠 亳仗仂亠从亳. 亠仄仂 仆舒 仂仂从 从仍亳亠仆从亳 亠亟于, 弍舒仆从 仂舒仆亳仍 仂亶亳于 仍亳从于亳亟仆仂 亳 仂弍亠仗亠亳仍 仗仂仍仆仂亠 仗仂从亳亠 亠亰亠于舒仄亳 于亠亶 仗仂弍仍亠仄仆仂亶 亰舒亟仂仍亢亠仆仆仂亳.Investor presentation june-2014_ru
Investor presentation june-2014_ruBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of experience in banking and provides retail and commercial banking services. It has a network of 143 offices and 874 ATMs across 21 Russian regions. The bank focuses on core banking products and personal service. It has a loan portfolio of RUB 171.6 billion, with retail loans making up 41% and corporate loans 59%. Retail loans are focused on mortgages, while corporate loans support small and medium enterprises. The bank maintains a conservative balance sheet with liquid assets and is primarily deposit funded.Investor presentation en
Investor presentation enBank Vozrozhdenie IR Team
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Bank Vozrozhdenie has over 20 years of experience in banking and provides retail and commercial banking services. It has a network of 142 offices and 883 ATMs across 21 Russian regions. The bank focuses on core banking products and personal service. It has a loan portfolio of RUB 171.6 billion, with retail loans making up 70% and being led by mortgages. The bank aims to continue expanding its retail portfolio, particularly in mortgages, and serving its over 1.7 million retail and 63,400 corporate and SME clients.Financial statement v bank-ifrs_1_q14_rus
Financial statement v bank-ifrs_1_q14_rusBank Vozrozhdenie IR Team
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仂从仄亠仆 仂亟亠亢亳 仗仂仄亠亢仂仆 从仂仆仂仍亳亟亳仂于舒仆仆 亳仆舒仆仂于 仂亠仆仂 弍舒仆从舒 束仂亰仂亢亟亠仆亳亠損 仗仂 仂仂礌亳 仆舒 31 仄舒舒 2014 亞仂亟舒, 仗仂亟亞仂仂于仍亠仆仆 于 仂仂于亠于亳亳 仄亠亢亟仆舒仂亟仆仄亳 舒仆亟舒舒仄亳. 仆仂于仆亠 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳 于从仍ﾑ舒ﾑ 仗仂亠仆仆亠 亟仂仂亟, 亳 仗亳弍仍 亰舒 仂亠仆亶 仗亠亳仂亟 亳 亟亳仆舒仄亳从 亟亠仆亠亢仆 亠亟于. 亳于亠亟亠仆 仗仂亟仂弍仆亠 亟舒仆仆亠 仂 从亠亟亳舒, 亠仆仆 弍仄舒亞舒 亳 仗舒于仍亠仆亳亳 亳从舒仄亳 于 弍舒仆从亠.Financial statement v bank-ifrs_1_q14_eng
Financial statement v bank-ifrs_1_q14_engBank Vozrozhdenie IR Team
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This document provides the interim summarized consolidated financial statements of Bank Vozrozhdenie for the three months ended March 31, 2014. It includes the consolidated statement of financial position, consolidated statement of profit or loss and other comprehensive income, consolidated statement of changes in equity, consolidated statement of cash flows, and accompanying notes. The notes provide details on the bank's cash and cash equivalents, trading securities, loans and advances to customers, and movement in provisions for loan impairments for the period. Overall, the document presents the key financial positions and performance of Bank Vozrozhdenie for the first quarter of 2014.Factsheet q1 2014_eng
Factsheet q1 2014_engBank Vozrozhdenie IR Team
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Bank Vozrozhdenie is a leading Russian bank ranked 28th by assets that has operated since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has a network of 143 branches and 880 ATMs across 21 Russian regions, serving over 63,000 corporate and 1.7 million retail clients. The majority of the current management team has been with the bank for over 15 years. The main shareholders are Dmitry Orlov, Otar Margania, and JPM International Consumer Holding Inc.Factsheet q1 2014_ru
Factsheet q1 2014_ruBank Vozrozhdenie IR Team
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舒仆从 束仂亰仂亢亟亠仆亳亠損 弍仍 仂仆仂于舒仆 于 1991 亞仂亟 亳 亰舒仆亳仄舒亠 从仍ﾑ亠于亠 仗仂亰亳亳亳 仆舒 仆从亠, 于从仍ﾑ舒 28 仄亠仂 仗仂 舒从亳于舒仄 亳 9 仄亠仂 仗仂 亳仗仂亠仆仄 从亠亟亳舒仄. 舒仆从 仂弍仍亢亳于舒亠 仂从仂仍仂 63 400 从仂仗仂舒亳于仆 从仍亳亠仆仂于 亳 1,7 仄亳仍仍亳仂仆舒 舒仆 从仍亳亠仆仂于, 仂仆仂于仆仄亳 仆舒仗舒于仍亠仆亳礆亳 于 从亠亟亳仂于舒仆亳亳 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒. 从亳亳 弍舒仆从舒 从仂亳ﾑ 仆舒 仂从仂于从仂亶 弍亳亢亠, 舒 亠亞仂 亳仆舒仆仂于亠 仗仂从舒亰舒亠仍亳 仗弍仍亳从ﾑ 1991 亞仂亟舒.Vzrz q1 2014_ifrs_results_eng
Vzrz q1 2014_ifrs_results_engBank Vozrozhdenie IR Team
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1) The bank's interest-earning assets grew to 82% of its balance sheet as of Q1 2014. The bank's loan portfolio grew 1.7% QoQ to RUB 171.6 billion, led by a 2.8% growth in retail mortgages.
2) Net profit declined 40.9% QoQ to RUB 428 million in Q1 2014 due to a 3.7x increase in loan loss provisions. However, net interest income was stable at RUB 2.6 billion and the net interest margin reached the bank's target of 4.9%.
3) Non-performing loans increased by RUB 776 million in Q1 2014 but the bank亠亰亠仆舒亳 亟仍 亳仆于亠仂仂于 仂磡 2013
亠亰亠仆舒亳 亟仍 亳仆于亠仂仂于 仂磡 2013Bank Vozrozhdenie IR Team
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仂从仄亠仆 仗亠亟舒于仍磳 仂弍仂亶 仗亠亰亠仆舒亳 弍舒仆从舒 '仂亰仂亢亟亠仆亳亠', 仂仗亳于舒ﾑ 亠亞仂 仗亠仆仂亠 舒亰于亳亳亠 亳 亟仂亳亢亠仆亳 仆舒 仂亳亶从仂仄 亳仆舒仆仂于仂仄 仆从亠 亰舒 弍仂仍亠亠 亠仄 20 仍亠. 舒仆从仂于从舒 从舒 仂亳亠仆亳仂于舒仆舒 仆舒 仂弍仍亢亳于舒仆亳亠 仄舒仍仂亞仂 亳 亠亟仆亠亞仂 弍亳亰仆亠舒, 舒 舒从亢亠 仂亰仆亳仆 从仍亳亠仆仂于, 舒从亠仆仂仄 仆舒 亳仗仂亠仆仂亠 从亠亟亳仂于舒仆亳亠 亳 仆仂于亠 亳仆舒仆仂于亠 亠仆仂仍仂亞亳亳. 亠亰亠仆舒亳 舒从亢亠 于从仍ﾑ舒亠 亳仆仂仄舒亳 仂 从仍ﾑ亠于 亳仆舒仆仂于 仗仂从舒亰舒亠仍 亳 舒亠亞亳 舒亰于亳亳, 仗仂亟亠从亳于舒 亳仆于亠亳亳仂仆仆 仗亳于仍亠从舒亠仍仆仂 弍舒仆从舒.Investor presentation November 2013
Investor presentation November 2013Bank Vozrozhdenie IR Team
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- Bank Vozrozhdenie is a Russian bank that has been in operation since 1991 and has grown significantly over the past 20+ years.
- It has a focus on serving corporate/SME and retail customers across 21 regions of Russia, with most of its presence and history in the Moscow Oblast region.
- As of 2013, it had over 1.7 million retail clients, 63,400 corporate/SME clients, and various credit ratings reflecting its stability and growth.Fact sheet 6M 2013 SW
- 1. Faktablad Pengar bygger inte en bank, relationer g旦r det Bank Vozrozhdenie har en historia som g奪r tillbaka till april 1991. De flesta i den nuvarande ledningen har varit med banken i mer 辰n 15 奪r, m奪nga - sedan starten 1991, efter att ha genomg奪tt flera kriser i banksektorn. Nu 辰r vi en av de ledande bankerna i Ryssland rankad 28 av tillg奪ngar, 23 genom l奪neportf旦ljen och 19 av ins辰ttningar. Bankens viktigaste verksamhet 辰r i utl奪ningen till sm奪 och medelstora f旦retag (47% av den totala utl奪ningen), Privatl奪n, inteckningar och bankkort (22%). V奪r distributionsn辰t t辰cker 142 butiker och ca 850 uttagsautomater som t辰cker 21 regioner i Ryssland med fokus p奪 Moskva regionen, s旦dra och nordv辰stra Ryssland. Genom att hantera omkring 63.400 f旦retagskunder och 1.7 miljoner privatkunder koncentrerar vi oss p奪 v奪ra viktigaste styrkor - stark avgift- generera inkomster kapacitet (faktiskt en av de h旦gsta andelen av avgifter i r旦relseresultatet bland ryska banker) och h旦gre marginal-sm奪 och medelstora f旦retag och bol奪n samt stabil finansiering fr奪n kundernas ins辰ttningar. Bank Vozrozhdenie 辰r noterat p奪 Moskva b哥rsen (kod VZRZ, pref - vzrzp). Banken har publicerat ekonomi enligt rysk redovisningsstandard och International Financial Reporting Standards sedan 1991. V奪r externa revisor 辰r PricewaterhouseCoopers Revision. Bankens l奪ngsiktiga betyg 辰r: Moodys Ba3, Standard & Poors BB-. Huvud辰gare i banken 辰r: Dmitry Orlov, Styrelseordf旦rande (32.03%), Otar Margania, Styrelseledamot (19.67%), JPM International Consumer Holding Inc. (9.88%). * - Enligt RBC kreditv辰rderingsinstitut Marknads position * 6:a f旦r l奪n till sm奪 och medelstora bolag 9:a i utf辰rdande av inteckningar 19:e i enskilda ins辰ttningar 19:e i antalet kontat uttagsautomater 21:e i antal f旦rtagskrediter IR Kontakt: E-mail: investor@voz.ru Yulia Vinogradova E-mail: Yu.Vinogradova@voz.ru Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52 Elena Mironova E-mail: E.Mironova@voz.ru Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52 Maria Gorbunova E-mail: M.Gorbunova@voz.ru Tel: +7 (495) 620-90-71 Fax: +7 (495) 620-19-52 www.vbank.ru 1
- 2. Faktablad Pengar bygger inte en bank, relationer g旦r det Nyckeltal balansrkningen nummer, Rub miljoner Tillg奪ngar 6M 2013 2012 2011 216,168 209,062 183,888 Nyckeltal resultatrkningen nummer, Rub miljoner 6M 2013 2012 2011 Rntenetto 4,417 9.058 Aktiekursutveckling 7.456 Aktier Rubel 800 10000 L奪n bok 150,019 141,662 124,383 Net avgifter 2,322 5.061 4.822 600 1000 F旦retagsl奪n, % 78% 79% 82% Detaljhandel l奪n, % 22% 21% 163,876 418 674 611 18% 169,310 哘vriga intkter 145,142 Reserver (2,275) (2.722) (2.304) (4,226) (8.652) (8.353) 1 rets resultat 18,462 Nyckeltal balansrkningen indikatorer 6M 2013 2012 2011 L奪n / inl奪ning 99% 95% 2.331 1.594 Nyckelindikatorer 6M 2013 2012 2011 4.2% 4.7% 2.8% 1.8% 1.8% 02.07.12 4.3% Riskkostnader (奪rsbasis) 20,807 521 Rntenettomarginalen 21,351 200 10 R旦relsekostader Kundkonton 400 100 0 02.10.12 02.01.13 02.04.13 02.07.13 95% Aktiekapital Kapitaltckning 14.6% 14.9% 10.1% 10.0% 10.0% Kostnad / intkter 59.0% 58.5% 86.9% 87.1% 87.7% Genomsnittliga dagliga handelsvolymen 6M 2013 2012 2011 Moskva b哥rsen (Rub miljarder) 0.6 1.0 1.4 6M 2013 2012 2011 41.6 93 64 64.8% Avkastning p奪 tillg奪ngar Kundkonton / skulder Senast pris Vinst per aktie 13.8% Soliditet, % Volym 0.5% 1.2% 0.91% Avkastning p奪 eget kapital 4.9% 11.9% 9.1% VPA, Rub 2