1st Processing Bank	Прежнее название банка — Белэкономбанк (см. www.belbank.ru). 23 июля 2008 года банк был вновь переименован — в 1-й Процессинговый Банк. До этой даты кредитная организация называлась ЗАО АКБ «Русский Инвестиционный Клуб».
Absolut Bank	The Bank was established by private shareholders in 1993 and today has IFC participance in its capital. Our clients are medium and small enterprises, as well as middle class individuals. Absolut Bank provides wide range of corporate and retail banking services in 13 Russian region through 43 offices including Moscow and Moscow region, St. Petersburg, Ufa, Omsk, Chelyabinsk, Kazan. By the end of 2008 Bank is going to launch more than 80 offices in 20 Russian regions. Absolut Bank is leader in the Trade Finance market in the segment of medium-sized Russian businesses and was awarded by EBRD as Most Active Russian Bank in Trade Facilitation Program 2006. The Bank's stable growth in general as well as positive results in corporate lending and trade finance in particular can be attributed to a high achievements in International Market. In 2007 Absolut Bank joined KBC Group that is one of the largest financial group in Europe.
AgroPromCredit	Банк обслуживает около 4 тысяч корпоративных клиентов и более 150 тысяч физических лиц. Сеть продаж насчитывает 12 филиалов, 1 отделение в Москве, 38 офисов и операционных касс, а также 115 банкоматов. В банке работают около 800 человек. Значительную часть персонала центрального офиса банка составляют выходцы из Альфа-Банка, Инвестсбербанка, МДМ-Банка и д. р. Банком привлечено 3,8 млрд рублей вкладов и счетов физических лиц, что составляет существенную часть пассивов банка (20%). На межбанковском рынке традиционно является нетто-донором.
Ak Bars Bank	AK BARS Bank is in the list of 20 Russian banks. The Bank was rated the 17th by equity and the 18th by assets among Russian banks as of 01.01.2009. As of 01.01.2009 the authorized capital of the Bank amounted to 19,2 billion roubles (782,8 million US dollars). AK BARS Bank (open joint-stock company) was registered in the Central Bank of Russia and successfully operates on the financial market of Russia since 1993. AK BARS Bank is a universal bank and develops corporate, retail and investment businesses. About 38 thousand corporates and 2 million individuals are among customers of AK BARS Bank. The Bank serves large companies of oil and gas industry, petrochemical industry, mechanical engineering, telecommunication, construction, chemical, motor companies, commercial and agricultural enterprises. The stability of the bank is guaranteed by the paid up capital of the Bank which amounted to 19,2 billion roubles as of 01.01.2009. The Bank’s equity amounted to 27,9 billion roubles as of 01.01.2009. As of 01.02.2009 the Bank’s branch network includes 20 branches in the Republic of Tatarstan, 27 branches in the largest cities of Russia, 145 sub-branches and 142 stand-alone cash desks, 12 operational offices, 4 lending and cash services offices. АК БАRS Bank is a member of: • The Society for Worldwide Interbank Financial Telecommunication (S.W.I.F.T.) • Information-dealing system “Reuters Dealing” • Moscow Interbank Currency Exchange (MICEX) • National Association of the Participants of Stock Exchange Market • Association of the Participants of Bills Market • Russian Trading System (RTS) • Association of the Russian banks Bank’s key foreign correspondent banks: • Citibank N.A. (New York, USA) • American Express Bank Ltd. (New York, USA) • HSBC Bank USA (New York, USA) • Commerzbank AG (Frankfurt am Main, Germany) • Dresdner Bank AG (Frankfurt am Main, Germany) • Bayerische Hypo-und Vereinsbank (Munich, Germany) • VTB Bank (France) S.A. (Paris, France) • BNP PARIBAS (SUISSE) SA (Geneva, Switzerland) • UBS AG (Zurich, Switzerland) • Skandinviska Enskilda Banken (Stockholm, Sweden) • Nordea Bank Finland Plc (Helsinki, Finland) • Commerzbank International S.A. (Luxemburg) • Komercni Banka, as (Prague, Czech Republic) • The Bank of Tokyo - Mitsubishi UFJ, Ltd (Tokyo, Japan)
Alfa-Banking Group	Alfa-Banking Group is one of Russia's largest privately owned banking groups in terms of equity, assets, branches, retail deposits and funds under management. Alfa-Banking Group offers a wide range of products and operates in all sectors of the financial market, including deposits, corporate and retail lending, payment and account services, foreign exchange operations, cash handling services, custody services and investment. Alfa-Banking Group has 280 offices across Russia and abroad. The Group also operates through subsidiary banks, affiliate and branch offices in Kazakhstan, the Netherlands, Cyprus, the US and the United Kingdom. In addition to banking, Alfa-Banking Group has FSA, CySEC and NASD-regulated brokerage subsidiaries, and other companies located in Cyprus, London and New York. In 2007, Alfa-Bank was once again recognized as one of Russia's most transparent banks according to the "Transparency and Disclosure by Russian Banks" research conducted by Standard & Poor's.
Aljba Alliance	Licenses of the Bank: * General license for banking operations № 2593 issued by the Bank of Russia 27 October 2008. * License for banking operations № 2593 (on the right to attract deposits and placement of precious metals), issued by the Bank of Russia 27 October 2008. * License of a professional securities market participant number 077-03803-100000 from 13 December 2000 to implement the brokering activities, issued by the Federal Commission on Securities Market. * License of a professional securities market participant number 077-03863-010000 from 13 December 2000 on the implementation of the activities of a dealer issued by the Federal Commission on Securities Market. * License of a professional securities market participant number 077-04140-000100 of 20 December 2000, the implementation of depository services, issued by the Federal Commission on Securities Market. * License of a professional securities market participant number 077-03908-001000 from 13 December 2000 on the implementation of the management of securities issued by the Federal Commission on Securities Market. * License of the number 888 on the right of futures and option transactions in stock exchanges in the territory of the Russian Federation, issued on 28 September 2006, the Federal Service for Financial Markets of Russia.
Arsenal Bank	Russian commercial bank collaborating with U.S. Palms & Company, Inc.
Avangard Bank	OJSC JSCB «Avangard» - a universal commercial bank providing all types of banking services. Founded in 1994, the General Bank of Russia license number 2879. The main activities are corporate banking, retail banking, leasing, investment in real sector of the economy, lending to individuals in Moscow and other regions where the open branches of the Bank «Avangard». Bank «Avangard» consistently ranks among the largest banks of Russia on the size of equity capital and net assets. Bank «Avangard» included in the roster of banks - participants in the system of deposit insurance on 4 November 2004. Bank «Avangard» has a license to conduct transactions with precious metals, the General license for the export affinirovannogo gold (in the form of standard and bullion) General license for the export of silver and license professional securities market participant to implement the broker, dealer, depository services and activities for trust management of securities. The Bank and its subsidiaries included in the roster of the State Customs Committee of the banks and other lending institutions who have the right to issue bank guarantees to participants of foreign economic activity. Bank «Avangard» is a member of the Association of Russian Banks (ARB), the Moscow Bank Union (MBS), the Moscow Interbank Currency Exchange (MICEX), the Moscow Stock Exchange (MSE), the Worldwide Interbank Financial Communications (SWIFT), international payment systems, MasterCard Worldwide and VISA International, the Association of Members of bill market, the Association of Regional Banks of Russia, the National Association of Stock Since 1998, audits of financial statements Bank «Avangard» on Russian and international standards conducted by Deloitte & Touche. Bank «Avangard» has developed a network of affiliates who provide corporate and private clients the entire spectrum of banking services - deposits, maintenance of accounts, securities and precious metals, lending to private individuals, money transfers. Bank «Avangard» - lending to individuals and legal entities. Private Clients Bank «Avangard» offers a full range of financial services. Major destinations: car loans, issuing credit cards, fixed-term bank deposits. In Moscow, six additional offices of the Bank, as well as more than 70 offices «Avangard-Express». One of the priorities of the Bank «Avangard» - investment in real sector of the economy of Russia. To achieve this objective within the framework established by the Holding Company «Avangard-Leasing». Today «Avangard-Leasing» - universal leasing company, leasing equipment, industrial facilities, vehicles, aircraft, boats, real estate. Leasing Bank Holding stable is one of the largest operators in the leasing market in Russia. His portfolio for 2007 was about 1, $ 3 billion
BALTICA.RU	Under construction
Baltiyskiy Bank	Universal bank, providing a wide range of services for corporate and private clients. One of the oldest commercial bank, founded in 1989. General licensing PG TSBRF number 128 of 22.06.06. From 15.02.2005 Baltic Bank is part of the deposit insurance. Nearly 25 thousand corporate clients (as of 01.04.09). More than 2 million private customers (as of 01.04.09). The developed network of other branches and additional offices in the city of 31: Moscow, St. Petersburg, Murmansk, Pskov, Novgorod, Petrozavodsk, Kirishi, Gatchina, Sosnovy Bor Volhov, Viborg, Tver, Kursk, Yaroslavl, Voronezh, Perm, Nizhny Novgorod, Rostov-on-Don, Chelyabinsk, Samara, Saratov, Engels, The Great Luke Bologoye, Irkutsk, Novosibirsk, Khabarovsk, Ekaterinburg, Russia, Arkhangelsk, Volgograd, Omsk. 36 offices and agencies in St. Petersburg. Issued more than 1 million 568 thousand plastic cards (as of 01.04.09). Number of ATMs - 1 557, 380 of them - in St. Petersburg (as of 01.04.09). The long-term partnership with VISA, MasterCard Europe, AMERICAN EXPRESS.
Bank BFG-Credit	Dear Sirs, During the existence of the Bank we acquired a reputation of a stable and reliable Bank. Carrying out a conservative financial policy, "BFG-Credit" Bank has neither appeared in the group of "problematic" banks, nor delayed its payments even at the period og the "banking crisis" in August-September 1995. The main priority of our work is the regime of the most favourable conditions for each customer and the guarantee of his assets' safety, European level of service and high professionalism of its personnel (there are Doctors and Professors in Economics snd Technical Sciences among the Bank's staff members). The basic points of the Bank's policy are: To maintain an optimal proportion of asserts, both external and those of the Bank (the Bank is constantly increasing the amount of its Authorised Capital); To follow contracts' obligations in a strict way; To carry out a risk-free credit policy. We provide services to large organisations, regions and individuals. There is a big number of Defense Industry enterprices, a number of TV-companies of the Public Russian Television, hotels and other service, oil-and-gas extracting and transport enterprices, etc. among our customers. 35/30 Kutuzovsky Prospekt, Moscow
Bank of Business Assistance	Spiral barrier security SBB Concertina constructively is a spiral structure made of reinforced barbed tape AKL or ASKL. Vitka spirals are interconnected by stapling (sklepyvaniya), special brackets made of galvanized steel with thickness 1.5 mm and a length of 10 mm, the straps are installed in staggered order, in rows along the axis of rotation of the spiral. Total installed 5-series, equidistant from each other, resulting in SBB becomes difficult, spring, the spatial structure. The range is very wide application Concertino. Basically, Concertina used to build highly effective physical barriers, as the engineering construction of temporary or permanent nature of the installation on land or on the already existing fence. Spiral barrier security SBB fidget - cutting profile upset steel core. Special fence fidget (fidget SBB) is a galvanized steel strip thickness of 0.55, with a double-edged, symmetrically located, radially directed pins, compression around vysokouglerodistoy stranded galvanized steel wire diameter of 2.5 mm. The diameter of the reinforced part is 5 mm. The most important feature of SBB fidget (Reinforced twisted Barbed Tape) is that its design is able to maintain its structure after perekusyvaniya in one, and even in several different places.
BIT Bank	Commercial Bank for Investmenst & Technology
Central Bank of the Russian Federation	The Central Bank of the Russian Federation (Bank of Russia) was founded on July 13, 1990, on the basis of the Russian Republic Bank of the State Bank of the USSR. Accountable to the Supreme Soviet of the RSFSR, it was originally called the State Bank of the RSFSR. On December 2, 1990, the Supreme Soviet of the RSFSR passed the Law on the Central Bank of the RSFSR (Bank of Russia), which declared the Bank of Russia a legal entity and the main bank of the RSFSR, accountable to the Supreme Soviet of the RSFSR. The law specified the functions of the bank in organising money circulation, monetary regulation, foreign economic activity and regulation of the activities of joint-stock and co-operative banks. In June 1991, the Statute of the Central Bank of the RSFSR (Bank of Russia), accountable to the Supreme Soviet of the RSFSR, was approved. In November 1991, when the Commonwealth of Independent States was founded and Union structures dissolved, the Supreme Soviet of the RSFSR declared the Central Bank of the RSFSR to be the only body of state monetary and foreign exchange regulation in the RSFSR. The functions of the State Bank of the USSR in issuing money and setting the ruble exchange rate were transferred to it. The Central Bank of the RSFSR was instructed to assume before January 1, 1992, full control of the assets, technical facilities and other resources of the State Bank of the USSR and all its institutions, enterprises and organisations. On December 20, 1991, the State Bank of the USSR was disbanded and all its assets, liabilities and property in the RSFSR were transferred to the Central Bank of the RSFSR (Bank of Russia), which several months later was renamed the Central Bank of the Russian Federation (Bank of Russia). In 1991-1992 an extensive network of commercial banks was created in the Russian Federation under Bank of Russia guidance through commercialisation of the specialised banks’ branches. The disbandment of the State Bank of the USSR was followed by changes in the chart of accounts, the establishment of a network of Central Bank cash settlement centres and their provision with computer technology. The Central Bank began to buy and sell foreign exchange in the currency market it established and to set and publish the official exchange rates of foreign currencies against the ruble. In December 1992, as a result of the establishment of a single centralised federal treasury system, the Bank of Russia was no longer required to provide cash services for the federal budget. The Bank of Russia carries out its functions, which were established by the Constitution of the Russian Federation (Article 75) and the Law "On the Central Bank of the Russian Federation (Bank of Russia)" (Article 22), independently from the federal, regional and local government structures. In 1992-1995, to maintain stability of the banking system, the Bank of Russia set up a system of supervision and inspection of commercial banks and a system of foreign exchange regulation and foreign exchange control. As the agent of the Ministry of Finance, it organised the government securities market, known as the GKO market, and began to participate in its operations. In 1995, the Bank of Russia stopped extending loans to finance the federal budget deficit and centralised loans to individual sectors of the economy. To override the consequences of the 1998 financial crisis, the Bank of Russia took steps towards restructuring the banking system in order to improve the performance of commercial banks and increase their liquidity. Insolvent banks were removed from the banking services market, using the procedures established by the applicable law. Of great importance for the post-crisis recovery of the banking sector was the creation of the Agency for Restructuring Credit Institutions (ARCO) and the Inter-Agency Co-ordinating Committee for Banking Sector Development in Russia (ICC). Thanks to the effective measures implemented by the Bank of Russia, ARCO and ICC, by the middle of 2001 Russia’s banking sector had on the whole overcome the aftermath of the crisis. The Bank of Russia monetary policy was designed to maintain financial stability and create conditions conducive to sustainable economic growth. The Bank of Russia promptly reacted to any change in the real demand for money and took steps to stimulate positive economic dynamics, cut interest rates, damp down inflationary expectations and slow the inflation rate. As a result, the ruble gained somewhat in real terms and financial market stability increased. Due to the balanced monetary and exchange rate policies pursued by the Bank of Russia, the country’s international reserves have grown and there have been no sharp fluctuations in the exchange rate. The efforts made by the Bank of Russia with regard to the payment system were designed to increase its reliability and efficiency for financial and economic stability. To make the Russian payment system more transparent, the Bank of Russia introduced reports on payments by credit institutions and its own regional branches, which took into account international experience, methodology and practice of surveillance over payment systems. In 2003, the Bank of Russia launched a project designed to improve banking supervision and prudential reporting by introducing international financial reporting standards (IFRS). The project provides for the implementation of a set of measures, including measures to ensure credit institutions’ credible accounting and reporting, raise requirements for the content, amount and periodicity of information to be published, and introduce accounting and reporting standards matching international good practice. In addition, measures are to be taken to disclose information on the real owners of credit institutions, exercise control over their financial position and raise requirements for credit institutions’ executives and their business reputation. There are some problems to which the Bank of Russia pays special attention. One of them is that specific risks connected with the dynamics of the prices of some financial assets and the price situation on the real estate market have begun to play an increasingly important role recently. The practice of lending to related parties led to high risk concentrations in some banks, compelling the Bank of Russia to upgrade the methods of banking regulation and supervision by making greater emphasis on substantive (risk-oriented) supervision. Fictitious capitalisation of banks is another matter of serious concern for the Bank of Russia. To prevent banks from using all sorts of schemes designed to artificially overvalue or undervalue the required ratios, the Bank of Russia in 2004 issued a number of regulations, including the Regulation "On the Procedure for Creating Loan Loss Reserves by Credit Institutions" and the Instruction "On Banks’ Required Ratios." As the number of credit institutions extending mortgage loans to the public increased, in 2003 the Bank of Russia issued the Ordinance "On Conducting a One-off Survey of Mortgage Lending," which set the procedure for compiling and presenting data on housing mortgage loans extended by credit institutions. With the adoption of the Federal Law "On Mortgage Securities," credit institutions which ensured the observance of the requirements for the protection of investors’ interests received the lawful opportunity to refinance their claims on mortgage loans by issuing mortgage securities. In pursuance of the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)" and Federal Law "On Mortgage Securities," the Bank of Russia issued the Instruction "On the Required Ratios for Credit Institutions Issuing Mortgage-Backed Bonds," which specified the calculation and established the values of the required ratios and the values and methodology of calculating additional required ratios for credit institutions issuing mortgage-backed bonds. In December 2003, the Federal Law "On Insurance of Personal Bank Deposits in the Russian Federation" was adopted. The law stipulated the legal, financial and organisational framework for the mandatory personal bank deposits insurance system, and also the powers, procedure for the establishment and operation of an institution implementing mandatory deposit insurance functions and set the procedure for paying deposit compensation. At present, an overwhelming majority of banks participate in the deposit insurance system. They account for almost 100% of total personal deposits placed in Russian banks. In April 2005, the Russian Government and Bank of Russia adopted the Banking Sector Development Strategy for the Period up to 2008, a document which set as the main objective of banking sector development in the medium term (2005-2008) the enhancement of the banking sector’s stability and efficiency. The principal goals of banking sector development are as follows: - increasing the protection of interests of depositors and other creditors of banks; - enhancing the effectiveness of the banking sector’s activity in accumulating household and enterprise sector funds and transforming them into loans and investments; - making Russian credit institutions more competitive; - preventing the use of credit institutions in dishonest commercial practices and illegal activities, especially the financing of terrorism and money laundering; - promoting the development of the competitive environment and ensuring the transparency of credit institutions; - building up investor, creditor and depositor confidence in the banking sector. The banking sector reform will help implement Russia’s medium-term social and economic development programme (2005-2008), especially its objective to end the raw materials bias of the Russian economy by rapidly diversifying it and utilising its competitive advantages. At the next stage (2009-2015), the Russian Government and Bank of Russia will attach priority to effectively positioning the Russian banking sector on international financial markets.
Centr-Invest	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 Ober?sterreich, Firebird Investment Fund. Bank Center-invest has expanded branch network consisting of 90 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. Bank Center-invest gained a reputation of "the lab for economic reforms" in the South of Russia due to continuous introduction of technological innovations.
Chelyabinvestbank	Bank to the city and region - the so-asserting itself Chelyabinvestbanka team - one of the leading banks in the region. In these words is that the main thing that defines the principles and methods of work Chelyabinvestbanka. Share Chelyabinskiy investment bank «Chelyabinvestbank» - one of the leading banks in the Southern Urals - Created on 17 October 1990. Share capital at 1 January 2008 amounted to 500 million rubles, while shareholders' equity exceeded 1.6 billion rubles. The system Chelyabinvestbanka operate 10 branches and 50 offices in all major cities of Chelyabinsk region. The Bank is largely focused on the introduction of new technology services and development of electronic payment systems. They became a familiar tool in the daily work of a joint bank and its clients. At the beginning of 2008 have had the confidence and become clients Chelyabinvestbanka more than 700 thousand legal entities and individuals. Customers enjoy a wide range of banking services. This credit, and cash and settlement services, and attracting free funds of enterprises, organizations and people. In addition Chelyabinvestbank offers its customers and partners, legal and financial counseling, tele-banking service, provides individual rental of safe deposit boxes, has operations in precious metals, provides professional services and advice on working with government and corporate securities, and much more. Chelyabinvestbank manufactures and services systems, plastic cards "Golden Crown", MasterCard, VISA Electron, VISA Classic, VISA Gold and Diners Club. As of 1 January 2008 the bank issued more than 585 thousand cards. The Bank supports and promotes social welfare projects the city and region. Today, in the first place, so the introduction of "City", which makes it more convenient to pay for utilities and other services, and administration of the program "Social card Chelyabintsa" to account for all the social benefits provided to the residents of our city. Both projects are officially supported the Administration of Chelyabinsk.
Commercial Bank Platina	Founded in the City of Moscow on October 30, 1992.
Conto	Saratov Regional Commercial Bank CONTO
Credit Moscow Bank	The joint-stock commercial bank Credit-Moscow (OJSC) has been active in the Russian banking services market since 1988, and nowadays is a universal financial institution that successfully operates in all sectors of the Russian financial market. In order to offer the most complete range of services possible, Credit-Moscow Bank has all the licenses required to execute banking operations. The openness of its business and stable position enabled Credit-Moscow Bank to join the state endowment insurance system in March 2005. Credit-Moscow Bank has a branch offices in St. Petersburg, Vladimir, Ryazan and Belgorod.
Guta-Bank	JSC «GUTA-BANK» CRA was created on the basis of «TVER» (JSC), who worked in the market from 12 March 1990 and is the largest bank, Tver region. The decision was agreed to rename the CBR March 4, 2008. The amount paid and the registered charter capital of JSC «GUTA-Bank», as at 26.08.2008 amounted to 1 in 700 000 000 (one billion seven hundred million) rubles.
Hansabank	AS Hansabanka, one of the leading commercial banks in Latvia, was established on 8 May 1992 under the name of German-Latvian Bank (Deutsche - Lettische Bank). In June 1996, the German -Latvian Bank became a part of the Swedbank Group and its name was changed to Swedbank-Latvia. The change of shareholders of the bank was the first step towards international banking. One of the milestones in the development of the bank was attracting a Swedish investor - Swedbank, a Swedish bank. In 1998, Swedbank acquired 48.98% of Swedbank-Latvia’s share capital and became a strategic investor of Swedbank Group, thus opening better development prospects to the bank. Currently Swedbank holds 99.16% of the Swedbank Group's shares. Another key event in 1998 was the successful merger of Swedbank- Latvia and Latvijas Zemes banka, which enabled the bank to become a universal bank with a vast range of services and wide branch network all over Latvia. In June 1999, the bank changed its name from Swedbank-Latvia to Swedbank. By means of its new identity and image the bank clearly showed its desire and dedication to be open to all residents of Latvia. In 1999, Swedbank was one of the most dynamically growing banks in Latvia, and the key achievement of the bank was the increase in the number of private customers and the rapid increase in volume of customer deposits, which testified on behalf of the customer loyalty to the bank. One of the most significant events of 2000 was the successfully completed merger with Ventspils United Baltic Bank (VUBB). This sizeable business transaction was also one of the most notable events in the banking sector in Latvia in 2000 undeniably strengthening the positions of Swedbank in one of the most developed regions of Latvia, namely, in Ventspils. The next most important event of 2000 was the complete replacement of the previous core banking IT system for a new. This was required due to the rapidly growing business volumes and the ever-growing expectations of the customers in relation to banking services. Meanwhile, the year 2001 brought about excellent performance indicators showing that the bank was one of the most rapidly growing banks in the whole commercial banking sector in Latvia. The excellent performance indicators were accompanied by success in improvement of business technology and e-commerce area. There was a drastic increase in the number of payment cards issued by Swedbank, number of users of Swedbank Internet Banking, Mobile Bank and Telehansa (electronic payment system for companies). This year was also remarkable for the fact that Swedbank was the first in the Baltic States to perform the first international transaction (payment) by a smart card or chip card. The smart card transaction was performed following Visa International having positively completed the smart card certification at Swedbank. On the eve of 2001, the bank signed an agreement on purchasing shares in SIA Hansa Lizings, which fostered the integration of operations of Hanza Lizings and Swedbank and enabled to further improve the services provided by both companies, as well as opened new opportunities for financing private individuals and businesses. In 2002, Swedbank consolidated its market leadership in Latvia and enjoyed a rapid increase in the business volumes, as well as ensured a top-notch customer service. This year was marked by several significant events: first of all, Swedbank took up the management of the 2nd pillar pensions by launching a new service - Hansa Pensions; secondly, Swedbank introduced a new corporate Internet bank -Telehansa.net; and thirdly, in December 2002 Swedbank issued the first international smart card in the Baltic States and Scandinavia. Successful operations of Swedbank were awarded with numerous awards, of which the key significance could be assigned to the prize awarded by the Latvian business newspaper Dienas Bizness, the readers-entrepreneurs of which recognized Swedbank to be the best bank in Latvia. Growth of business volumes, attraction of new customers, banking services sales promotion and consolidation of leadership in all the most important areas of retail banking were the most important objectives set for and achieved in 2003 by Swedbank. The bank held on to its priority of ensuring top quality customer service, which underlies the competitive strength of the bank. The bank further strengthened its leading role in retail lending and in 2003 further focused on corporate banking, prioritizing the banking services to small and medium-sized enterprises. In 2004, Swedbank increasingly focused on SME segment, which was given a priority in the operations of the Corporate Banking Division of Swedbank. Nevertheless, the major corporate customers were still treated with the same attention, same pertaining to the customers involved in trade financing business. Swedbank proceeded with consolidating its leadership in retail banking and achieved the status of being the bank that ensures the best customer service in the Latvian commercial banking sector.
Inkombank	Major Russian bank from Moscow.
KMB-Bank	New offices KMB BANK opened in Krasnoyarsk, Vladivostok, St. Petersburg, Kazan, Ufa, Krasnodar, Ekaterinburg. Total KMB Bank has more than 70 offices in 25 regions of Russia: from Kaliningrad to Vladivostok. KMB Bank by the Board of Directors increased the authorized capital of up to 5, 7 billion. Increase in authorized capital was the result of the development of KMB BANK as part of a group «Intesa Sanpaolo», which today has the second largest market capitalization in the euro zone. Rebranding of KMB Bank, Bank Group «Intesa Sanpaolo».
METALLINVESTBANK	Metallurgical investment bank was fouded in 1993 by Russian Commitee of Metallurgy and main metallurgical plants of Russia.
Moscow Clearing House	Private Interbank Clearing Service in Russia, electronic home banking service for all clients.
ROSBANK	ROSBANK is one of the largest privately owned banks in Russia. The Bank operates about 650 outlets, including 67 branches, in the majority of Russia's regions. ROSBANK has consistently maintained its presence as one of the top 10 banks in Russia. ROSBANK's primary activities include retail and corporate banking, investment banking, treasury related operations, trade finance, asset management, private banking, custody and depositary services, international and domestic settlement services, credit card services. Interros, a holding company, is the principal shareholder of ROSBANK. In June 2006 French bank Societe Generale acquired a 10% minority stake in ROSBANK. In September 2006 Societe Generale increased it's share in capital of ROSBANK to 20%.
Sberbank	Sberbank (Savings Bank of the Russian Federation) is the undisputed leader of the Russian banking industry, accounting for over a quarter of national banking assets. Established in 1841 it gained its present status of an open joint-stock company in 1991. The General License of Sberbank allows it to operate as a universal commercial bank in every segment of the financial market, providing its customers with the full range of banking services. The bank's history of 165 years is closely related to the economic and social development of the country. Numerous political and economic shifts affected the Bank but its role as the major provider of funds to the national economy through channelling deposits and its main mission of providing banking services for all layers of the population have always remained unchanged. Public recognition gained by Sberbank through tradition of being the bank for the people, helped in establishing mutually advantageous relations between the Bank and its customers. Sberbank remains the largest bank in Russia and Central and Eastern Europe in terms of Tier I capital and assets. The bank's total assets — RUB 2,513,1 billion — exceed the combined assets of the next 10 largest Russian banks. Sberbank is the leading universal commercial bank in Russia and continues to provide a full range of banking services. Sberbank's customer base far exceeds that of any other bank in Russia. At the beginning of 2006, the Bank had over 6,5 million retail customers and over 1,4 million corporate clients. The Bank operated 269,3 million accounts for individuals, an average of 1,9 accounts per person in Russia. Thus, clients throughout Russia can benefit from the bank's quality products and superior services. 2005 saw significant growth in the bank's share price. Over the year, Sberbank's ordinary shares were up 2,6 times, while preference shares increased 4,3 times — well ahead of the RTS index which increased by only 1,8 times during the same period. Sberbank was the second best performing stock in the RTS index after Gazprom. In 2005 Sberbank received a long-term BBB and a short-term F3 rating from Fitch Ratings. The bank's programme to issue loan participation notes, which began in 2006, was also given a BBB rating by Fitch. In 2005 Sberbank was the first Russian issuer to get Moody's A2 rating for its unsecured bonds. In December 2005, Moody's Interfax Rating Agency gave Sberbank an overall rating of AAA.ru. By the end of 2005, Sberbank's foreign currency debt rating from Moody's was the highest among Russian banks, and was three points higher than that of the Russian Federation. In addition, Sberbank became the first Russian bank to be included in the first hundred of the «Top 1000» world banks ratings produced by the highly respected English magazine «The Banker». Sberbank was 82 in 2005, having ranked 138 the previous year. The Central Bank of the Russian Federation (CBR) is the majority shareholder (over 60%) with the rest of the shares dispersed among portfolio, private and other investors with the estimated shareholding of about 20% by foreigners. Sberbank shares are the only bank stock quoted and freely traded at major Russian stock exchanges as «blue chips». The Bank continues to enhance and improve all aspects of customer service. For example, automated self-service zones are now in many branches, enabling customers to carry out quickly and easily routine operations such as deposits and withdrawals. This allows Sberbank's staff to provide assistance to clients with more complex banking needs. Such improvements have resulted in increased business for the Bank in many areas — for example, the retail lending business continues to show dynamic growth, with RUB 467,8 billion in loans as at the end of 2005, a 76% increase from 2004. Retail lending remains a top priority for the Bank, representing a stable income flow and contributor to profits. Sberbank also demonstrates substantial growth in corporate lending. At the beginning of 2006, the Bank maintained correspondent relations with 224 banks around the world and with its vast proprietary settlement system provides for payments throughout Russia. The powerful IT systems insure fault free operations domestically and abroad. Starting from 1992 Sberbank's RAR financial statements and from 1996 financial statements under IAS are audited by top auditor companies chosen through tender, among which are «PriceWaterhouseCoopers» and «Ernst & Young».
SBERBANK	Universal commercial bank with a full range of banking services. The undisputed leader of the Russian banking industry with the market shares of 62% in deposits, 50% in retail lending, 32% in commercial lending, 29% in aggregate assets of the Russian banking sector. The largest bank in Central and Eastern Europe, the 1st on The Banker's Top 100 Banks from 27 transition countries and 152d on The Banker's Top 1000 Banks of the world. The country-wide network with over 20,000 branches operating in 11 time zones and servicing 1.3 million corporate customers and 250 million retail accounts. Proprietary country-wide settlement system and correspondent relations with over 200 banks around the world. IAS / IFRS financial statements since 1996.
Uniastrum Bank	UNIASTRUM BANK (LLC) was founded in 1994. Registered with the CBR on March 31, 1994, CBR General License no. 2771 dd. May 5, 2005. UNIASTRUM BANK today is a universal credit institution offering to its clients a wide range of modern financial products and services with an equally high quality in all outlets. The bank’s outlets throughout the whole of Russia employ over 4 thousand highly skilled professionals, and have hundreds of thousands of loyal clients. UNIASTRUM BANK operates for the welfare of its clients and evolves together with them. Services aimed at satisfaction of the needs of private customers, small and medium-sized enterprises are among the most demanded of the services provided by the bank. The key strategic target of the bank is to achieve the long-term business value growth. The current tasks are as follows: * Development of a modern, client-focused, universal, competitive bank aimed at servicing retail clients, small and medium-sized enterprises; * Transfer to the corporate governance model corresponding to the best foreign practices fostering improvement of the risk management quality in contemporary conditions of the banking business; * Further development and higher efficiency of the regional network; * On-going quality improvement of service supply to the clients via investments in the bank’s information technologies and human resources. Development of the branches infrastructure. Starting from 2001 UNIASTRUM BANK has been actively developing its branches infrastructure. At present the bank is a top-10 bank in the total number of outlets and is ranked first among private banks in the number of the Moscow region outlets. As of October 01, 2008, 42 branches were registered and over 220 outlets in 45 Russian regions. In July 2001 the first branch of UNIASTRUM BANK was opened in Ivanovo, in 2002 – in Rostov-on-Don. In 2003 UNIASTRUM BANK started to actively develop the regional network; branches were opened in Kaliningrad, Yaroslavl, Samara, Saratov, Krasnoyarsk, Tyumen, Perm, Chelyabinsk, Stavropol, Ufa, Yekaterinburg, Krasnodar, Volgograd and Novosibirsk. From 2004 to 2007 UNIASTRUM BANK opened 26 more branches in various Russian regions and at present the network of branches covers 45 RF regions. The network of sales in the Moscow region is growing quickly. In 2004, 6 outlets were opened in the region, in 2005 – 14 outlets, in 2006, 27 outlets were opened already. At present over 220 outlets of UNIASTRUM BANK operate in all the key regions of Russia. Today the key task in the development of branches of UNIASTRUM BANK is improvement of their operations, increase in efficiency of activities and profitability of the existing branches and outlets. The Bank’s operations may be subdivided into three main categories: retail banking, corporate banking, investment activities and financial markets. Retail banking. The Bank offers to private clients all the spectrum of banking services according to the most up-to-date standards. The volumes of business with individual clients are constantly increasing which proves the growing trust in the Bank and a high assessment of the quality of services on behalf of private clients. The Bank offers to individual clients, among others, different types of loans, cash management services, deposit services, issue of plastic (debit and overdraft) cards, a wide range of operations with cash funds, the system of immediate money transfers UNISTREAM. The volume of the UNIASTRUM BANK mortgage portfolio grew in 2007 twice from RUR 4.8 to RUR 8 bln., and the number of loans issued in 2007 constituted 4,112. As of 01.07.08 the volume of the mortgage portfolio of UNIASTRUM BANK constituted RUR 5.5 bln. and as of 01.10.2008 – RUR 4.9 bln. 2005 saw a significant growth of issued car loans in number. The loan portfolio grew by 3.8 times to reach as of 01.01.06 nearly RUR 2 bln. For the next 2 years the portfolio grew by over 200%, and as of 01.01.08 the portfolio amounted to RUR 4.4 bln. In 2008 the bank continued to actively develop this business line. According to the bank’s financial statements, the car loans issued by UNIASTRUM BANK for 6 months in 2008 amounted to over RUR 2 bln. The average volume of car loans issued in 2008 amounted to RUR 350 mln. The car loans issued in Moscow for 6 months in 2008 amounted to RUR 296,038. This was by 40% more than in 2H2007. The volume of issue of car loans by UNIASTRUM BANK in the Russian regions is constantly growing as well. In 1H2008 it amounted to RUR 1,792,076 thousand which is by 35% more than in 2H2007, and by 72% more than one year earlier (1H2007 – RUR 1,039,975 thousand). On the basis of the results of 9 months in 2008, the UNIASTRUM BANK portfolio of car loans amounted to RUR 5.8 bln. In 2006 UNIASTRUM BANK was granted the Principal Member status in the VISA INTERNATIONAL payment system, and received a status of affiliated member of the MasterCard Worldwide payment system. As of 01.10.08 UNIASTRUM BANK issued over 500 thousand cards, out of which 138 thousand cards were issued in the framework of salary projects; over 1900 contracts were concluded with enterprises for organization of salary projects; over 660 ATMs were installed; 1120 terminal were installed in the trade and service enterprises. The credit card loans issued to individuals by UNIASTRUM BANK during 9 months in 2008 amounted to RUR 712.5 mln., and consumer loans for the same period amounted to RUR 676.7 mln., while the balances on accounts of the card holder clients amounted to RUR 1.8 bln. The volume of term deposits of individuals grew in 2007 by 1.73 times – from RUR 14.4 bln. to RUR 24.8 bln., and as of 01.10.08 it amounted to over RUR 25.8 bln. The money transfers via the UNISTREAM system in the bank’s outlets amounted in 1H2008 to RUR 35 bln., and the commission income of UNIASTRUM BANK for cash management services to individuals amounted in 1H2008 to RUR 51.5 mln. The total amount of UNISTREAM money transfers during 9 months of 2008 constituted RUR 57.2 bln., and commission income for these transactions exceeded RUR 323.5 mln. Corporate banking. Corporate banking is one of the bank’s priorities. Today this business is a complex system including over one hundred of banking products and a big variety of financial services. To the corporate clients the bank offers cash management services, lending and business investment support, project financing involving fund-raising from foreign financial institutions, transactions with bank cards, salary projects. Starting from 2006 the corporate client base increased by 2 times to reach 24 thousand corporate clients (about 27 thousand transaction accounts). The loan portfolio grew by almost 5 times during 2 years and amounted as of 01.07.08 to RUR 26.6 bln. Starting from 2007 the bank started to actively offer project and trade financing services raising credit resources from the foreign financial institutions. The volume of credit deals concluded with foreign counterparties secured by foreign export credit insurance agencies exceeded USD 17.5 mln. The volume of deals concluded in the framework of the limits set for trade finance operations amounted to USD 16.7 mln. Small and medium-sized enterprises. In this segment the bank offers a big variety of loan and deposit products for competitive prices to individual entrepreneurs and companies via the Moscow and regional branches network. Cooperation of UNIASTRUM BANK with the Small Business Assistance Fund in Moscow, St. Petersburg and other Russian regions brings about an active development of SME products. In October 2007 UNIASTRUM BANK and the Moscow Administration signed the Cooperation Program providing for allocation of funds up to RUR 1 bln. for the program participants. The 2008 results showed that the bank’s total balance had grown by 50% - up to RUR 90.2 mln. In 2008 the bank’s own capital increased by more than 40% to reach RUR 7.6 bln. as of 01.01.2009. In July 2008 UNIASTRUM BANK raised a EUR 12.5 mln. subordinated loan from the Bank of Cyprus (Public Company Limited) for a term of 5 years which enabled the bank to raise its net worth up to RUR 6 bln. In December 2008 the charter capital of UNIASTRUM BANK was increased by RUR 1.2 bln. (USD 50 mln.). On October 31, 2008, the deal of purchase of 80% of the UNIASTRUM BANK stakes by the Bank of Cyprus was closed. The Bank of Cyprus Group is a big international holding structure founded in 1899 and being the leading banking and financial services group in Cyprus and Greece (the bank’s share in the internal banking market exceeds 30%). The deal amounted to USD 576 mln. The charter capital of UNIASTRUM BANK was raised by USD 50 mln. This purchase is the biggest investment in the Russian banking sector on behalf of the financial institutions of Greece and Cyprus. The deal was closed after permissions of the Central Bank of Cyprus and Central Bank of Russia, as well as of the Federal Antimonopoly Service had been obtained. On November 19, 2008, in the framework of official negotiations, the President of Russia Dmitry Medvedev and President of the Republic of Cyprus Dimitris Christofias signed the memorandum on cooperation between UNIASTRUM BANK and the Bank of Cyprus Group. The memorandum provides for roll-out of a joint program of lending to SMEs in the Russian territory to the total amount of RUR 15 bln. and planned for three years (2009-2011). The significant financial potential of UNIASTRUM BANK is confirmed by the international credit ratings. On November 24, 2008, the international rating agency Moody’s Investors Service upgraded the long-term credit rating of UNIASTRUM BANK by three points to Ba2 (stable forecast), and the long-term national credit rating was upgraded by the Moody’s Interfax Rating Agency from Baa1 to Аа2. In 2006 UNIASTRUM BANK was awarded the annual national “Company of the Year” business prize “For Successful Business Strategy”. In 2007 UNIASTRUM BANK was awarded the annual banking national prize for the progress made in development of a network of branches and was awarded the National Banking Award as the “Most Dynamically Developing Bank”. In July 2008 UNIASTRUM BANK was recognized as one of the most recognizable Russian brands and was awarded a “Best Russian Brand” diploma.
Vneshtorgbank	VTB is a recognized leader of the national financial industry having gained a sustained competitive edge in all segments of the banking market. As of September 30, 2008 according to IFRS (consolidated), its shareholders equity totaled US$15.6 billion, enabling VTB to meet the Basle capital adequacy requirements with a safe margin. The assets of the Bank as of September 30, 2008 amounted up to US$113 billion. In 2007, the “Banker” magazine ranked VTB the 60th among the world’s 1000 largest banks in terms of capital. Presently, the Government of the Russian Federation is a major shareholder of VTB, with its share accounting for 77.5%. During the Bank’s IPO made in May 2007, 22.5% of VTB shares were placed among Russian and international investors. The total amount of funds raised approximated USD 8 billion, making VTB’s IPO the world’s largest public offering in 2007. It also proved to be truly public IPO in the history of the Russian stock market, since it resulted in more than 120 thousand Russians becoming VTB shareholders. As a result of the IPO, market capitalization of VTB, whose shares are now being traded on the MICEX and RTS, as well as on the London Stock Exchange in the form of Global Depository Receipts, has exceeded USD 35.5 billion. VTB’s authorized capital is presently RUB 67.2 billion. VTB has further consolidated its leadership in financing the Russian economy. As of September 30, 2008, VTB loans to non-financial companies totaled US$84.5 billion. Among major borrowers of the Bank are enterprises and companies from the fuel and energy sector, machine building and trade, including foreign trade. International rating agencies Moody`s Investors Service, Standard & Poor`s and Fitch have traditionally assigned VTB the highest possible rating for Russian banks. Russian rating agencies also award VTB with the highest possible reliability ratings. Striving to diversify its activity, VTB Group continues to expand the scope of its operations in the Russian market and offers its customers a wide range of banking products and services applicable worldwide.
VTB Bank	VTB is a recognized leader of the national financial industry having gained a sustained competitive edge in all segments of the banking market. As of September 30, 2006 according to IFRS (consolidated), its shareholders equity totaled US$6.2 billion, enabling VTB to meet the Basle capital adequacy requirements with a safe margin. The assets of the Bank as of September 30, 2006 amounted up to US$49 billion. Presently, the Government of the Russian Federation is the major shareholder of VTB, with its share accounting for 99.9%. Among other shareholders are "Gazexport", Sberbank, "Energomashexport", "Ingosstrah", Chamber of Commerce and Industry of the Russian Federation. VTB has further solidified its leadership in financing the Russian economy. As of September 30, 2006 VTB's loans outstanding to non-financial companies totaled US$27.6 billion. Among the main borrowers of the Bank are industrial enterprises and foreign trade companies.
Find banks in other countries Register bank with Financial-Portal.Com

Above may be not an exhaustive list of banks in this country. Also, the information might be outdated or wrong.

Some of the information placed above may have been taken from:
Wikipedia
www.banks.az
mbendi.co.za

Information from Wikipedia is available under the terms of the GNU Free Documentation License.

Subscribe to free Financial-Portal.com newsletter