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PRESENTATION

"Sustainable Development in 2009" (in Adode Acrobat Reader)

ESSENTIAL ELEMENTS

Joint stock Company Commercial Bank "Center-invest"
General license of the Central Bank of the Russian Federation N^o 2225 from January, 26, 1998
62, Sokolova Ave., Rostov-on-Don 344000 Russia
+7(863) 2-000-000
e-mail: welcome@centrinvest.ru

Board of Directors and Executive Board

Board Of Directors

	Ernst Welteke Independent Director, Former President of Deutsche Bundesbank (Germany)
	Dr. Vasily V. Vysokov Chairman of the Board of Directors of Center-Invest Bank, Chairman of the Strategic Planning Committee, Doctor of Economics, Professor
	Dr. Vladimir S. Zolotarev Chairman of the Appointments and Remunerations Committee, President of Rostov State University of Economics, Doctor of Economics, Professor, Honoured Academic of the Russian Federation
	Tatiana N. Vysokova Chairman of the Audit and Compliance Committee, Ph.D (Economics), Reader;
	Michael Neumayr Finance and Business Consultant, former member of the Board of Directors, EBRD
	Andreas Klingen Head of Strategic Group Development, Erste Group Bank AG
	Dr. Andreas Zeisler Head of Financial Institutions, Deutsche Investitions-und-Entwicklungsgesellschaft mbH (DEG), Doctor of Economics.

Executive Board

	Anna A. Shtabnova Chairman of the Executive Board, Ph.D (Economics), Reader
	Svetlana V. Orlova Deputy Chairman of the Executive Board, Head of the Information Technology and Settlement Systems Department
	Aleksei N. Shipilov Deputy Chairman of the Executive Board, Ph.D (Engineering Science), Reader
	Vladimir V. Glushko Deputy Chairman of the Executive Board, Ph.D (Engineering Science), Reader
	Grigory I. Zhukov Head of the Retail Banking Department
	Grigory O. Chorayan Head of the Treasury and Financial Markets Department, Ph.D (Engineering Science), Masters in Economics and Finance.
	Elena A. Kuzheleva Head Accountant, Member of the International Association of Book-keepers (FIAB)

GENERAL INFORMATION

The Mission Statement of Bank Center-invest is to provide our corporate, business and retail customers in southern Russia with a comprehensive range of banking services in compliance with international best practice.

Bank Center-invest is your reliable partner in the South of Russia. Among shareholders of the Bank are: European Bank for Reconstruction and Development, Deutsche Entwicklung Gesellschaft, Raiffeisen Landesbank Oberoesterreich, Erste Group, Firebird Investment Fund and other.

Bank Center-invest has expanded branch network consisting of more than 130 branches, additional offices and cash desks in Rostov, Volgograd, Krasnodar and Stavropol regions.

Bank Center-invest is the leader among local banks in the Rostov region by key financial indicators. It concentrates more than one third of local banks' total capital, over 40% of assets, loans and deposits. The characteristic feature of Bank Center-invest is steady development.

For 13 PricewaterhouseCoopers has been auditing Bank Center-invest in accordance with international financial reporting standards.

Bank Center-invest worked out the Corporate Governance Code with the assistance of IFC, EBRD and SECO.

Bank Center-invest entered TOP-100 of the largest Russian banks and took the following positions:

• — 7^th in terms of number of loans to SMEs
• — 9^th in terms of total value of SME lending
• — 21^st in reliability
• — 39^th among universal banks
• — 40^th in terms of the number of proprietary ATMs
• — 40^th in terms of retail deposits
• — 51^st in terms of retail lending
• — 57^th in terms of business lending
• — 60^th in terms of deposits portfolio
• — 61^st in terms of liquid assets
• — 61^st in terms of loan portfolio
• — 66^th in terms of net assets
• — 69^th in terms of equity
• — 72^nd in terms of business deposits

In partnership with IFC, the EBRD and FMO, the Bank ran energy efficiency programmes for companies in southern Russia. The technologies introduced enabled the companies to cut their energy consumption and CO2 emissions by 30-50%.

It financed the introduction of new technologies in agroindustrial enterprises in southern Russia.

It granted SMEs in southern Russia more than RUR17.5bn in loans to help them achieve sustainable growth, and it continued to operate a 'hot line' providing SMEs with free legal advice.

We also continued investing in the sustainable post-crisis development of the economy of southern Russia:

• — 260 students were awarded Center-Invest scholarships of 20,000 rubles.
• — 15 lecturers participated in the project ‘Southern Federal University-2020’, giving public lectures on current scientific and academic issues. In recognition of the success of the lectures, Center-Invest awarded each participant 100,000 rubles.

In 2009 Center-Invest Bank will continue to implement its programme for the sustainable development of southern Russia, providing our corporate, business and retail customers in southern Russia with a comprehensive range of banking services in compliance with international best practice. We wish our customers and partners sustained success!

We are willing to cooperate with you!