Our business divisions

Corporate business

In the corporate business segment, the strategic focus of Bank Vozrozhdenie is on providing services to SMEs. Bank Vozrozhdenie places a particular emphasis on an individual approach to each client, the provision of a full range of services and the continuous improvement of the quality of such services.

In its work with large corporations, the Bank aims to provide services to the clients with a developed branch network whose operating regions coincide with the locations of the Bank’s branches. A separate segment in corporate business services is the provision of financial services to government institutions.

Revenue,
RUB billion

Profit*,
RUB billion

* Before provisions

Retail business

Bank Vozrozhdenie aims to continuously develop the retail segment by increasing profitability and volume of the loan portfolio, and improving the service infrastructure for bank cards. The main credit products for the public are mortgages and consumer loans. While expanding its loan portfolio, Bank Vozrozhdenie is conservative to maintaining the optimal balance between its yield and quality.

The second important area for the Bank’s retail business development is attracting funds from the population. Since private deposits and current accounts is a key source of funding assets growth, the Bank aims to maintain the share of retail funds as a percentage of its liabilities at the level of 50%.

Revenue,
RUB billion

Profit*,
RUB billion

* Before provisions.

Bank cards

Bank card business is a key driver to the cross-sales development in the retail segment. A bank card is a tool to increase the number of banking products sold to each customer. The accessibility of financial services to the public is provided via the development of infrastructure and the expansion of the remote sales channels use, in particular internet and mobile banking, ATMs and payment terminals. Via a single interface of remote channels, with a Bank Vozrozhdenie bank card our customers can carry out any type of a remote payment, deposit funds, repay loan instalment and carry out operations between their own accounts.

Revenue,
RUB billion

Profit*,
RUB billion

* Before provisions.

Investment activity

Bank Vozrozhdenie conducts operations in securities and currency markets, primarily aimed at maintaining high level of balance sheet liquidity and rationally investing funds raised in foreign currency. When conducting investment activities, the Bank seeks to maintain a diversified portfolio of instruments, ensuring a high level of the liquidity portfolio and minimising the risks associated with investing.

Revenue,
RUB billion

Profit*,
RUB million

* Before provisions