ABSOLUT BANK. Presentation for clients. June, page 1

Transcription

1 ABSOLUT BANK Presentation for clients June, 2010 page 1

2 Shareholders KВС Group: 95% of shares International bank assurance group Established in 1998 Over 12 million customers Present in 35 countries employees Assets as of March 31, 2009 Euro 347,4 bln. International Financial Corporation (IFC): 5% of shares Organization of World Bank Group. Assists economic growth in developing countries by financing private sector (SME) and consulting enterprises and government page 2

3 Absolut Bank Absolut Bank was established in % owned by KBC Group and 5% by IFC Universal bank offering full range of financial services for corporate and individual customers More than 72 offices in the top 24 most developed Russian regions Over corporate and individual clients Over employees 72 correspondent banks Experienced management team Financial figures (in mln. USD) (in mln. USD) Loan ratings (in mln. USD) Assets Capital Long Term Short Term National Long Term Fitch (2009) BB+ B AA (rus) Moody s (2008) Ba3 Not Prime Aa3.ru page 3

4 17 years of successful experience 1993 Commercial bank Absolut Bank (ZAO) was registered with the Central Bank of the Russian Federation on April 22, Entrance into the State Deposit Insurance Program. First subbranches in the Moscow region were opened Absolut Bank obtained the CB RF internal license to make transactions in foreign currency Acquisition of licenses: for individuals monetary funds borrowing into deposits; of a professional participant in the securities market, for making bank transactions with funds in rubles and foreign currency Launch of own mortgage, car lending and SME lending programs. Opening of the first sub-branch in Saint-Petersburg Entrance into TOP-10 Russian mortgage market leaders and TOP-25 Russian largest banks. Debut placement of euro bonds issue in the amount of 200 mln US dollars. Opening of branches in Ufa, Chelyabinsk, Kazan and Omsk Active development of international business. Launch of a trade finance programme Entrance into one of the largest financial groups in Europe, that is KBC Group. Number of branches grows up to 72 in 24 regions of the country For the first time Fitch international agency assigned a level B rating score to Absolut Bank. Opening of the first sub-branch Baumanskoye" Entrance into TOP-10 the most reliable Russian banks and TOP-5 Russian mortgage market leaders. Integration with KBC Group. page 4

5 Leading positions in the Russian bank community 10 th place among the most reliable Russian banks (Forbes, 2009) 25 th place in the rating of the Russian largest banks on the net assets volume as of April 1, 2009 ( Interfax, April 2009) 6 th place in the rating of the best companies-employers among banks (Rating agency RBK. Rating, January 2008) 23 rd place on the corporate lending volume as of January 1, 2009 ( Expert, March 2008) 5 th place on the mortgage lending volume in Russia for 2008 (Rating agency RBK. Rating, March 2009) 16 th place among the largest Russian banks on SME lending volume (Rating agency RBK. Rating, March 2009) page 5

6 Regional presence Absolut Bank is represented by more than 72 offices in 24 regions of RF Saint Petersburg Novosibirsk Saratov Yekaterinburg Kazan Tyumen Volgograd N.Novgorod Barnaul Chelyabinsk Yekaterinburg Kazan Kemerovo Krasnodar Krasnoyarsk Lipetsk Moscow Nizhny Novgorod Novokuznetsk Novosibirsk Omsk Orenburg Perm Rostov-on-Don Saint Petersburg Samara Saratov Stavropol Tyumen Ufa Volgograd Voronezh page 6

7 Branch Network Existing Moscow branches: Existing Moscow region branches: Tsvetnoy Boulevard Baumanskoe Butovskoe Krylatskoe Kurskoe Kutuzovskoe Leningradskoe Mar inskoe Paveletskoe Sokol nicheskoe Sukharevskoe Yugo-Zapadnoe Vorontsovskoe Balashikha Dmitrov Dolgoprudny Khimki Korolev Lyubertsy Mytishchi Odintsovo Obukhov-Kievskoe Naro-Fominsk Pushkino Podolsk Shchelkovo Vidnoe Zelenograd page 7

8 Products for corporate and individual clients Corporate clients Individual clients Cash and e-management Cash and e-management Credit facilities Trade finance Treasury products Leasing Mortgage Car loans Credit cards Asset management and brokerage SME loans page 8

9 BANK S PRODUCTS FOR CORPORATE CLIENTS page 9

10 Cash and e-management Absolut Bank is a universal bank, offering a complete package of banking services for companies. Main products of cash management Accounts keeping for resident and non-resident companies Current and deposit accounts in Rubles, US dollars and Euro International and local payments in Rubles, US dollars and Euro Currency control services Remote access to the account via Internet software application (ibank2) Payroll programs Cash collection Acquiring (VISA, Master Card, Diners Club) Advantages Facilities in 24 top regions of Russia Extended cut-off time Personal relationship manager Tailor-made solution for every client page 10

11 Cash and e-management ibank2 secures the process of fund transfers by electronic means without documents. Internet Banking is: A safe tool for communication between the client and the bank through PC via internet Full remote access to your account 24 hours a day, 7 days a week, 365 days a year User-friendly interface in two languages: English and Russian Multi-user access Preparation, approval and transmission of electronic payments Providing supplementary information (foreign exchange rates, BIC and SWIFT codes etc.) Low operational expenses No special hardware or software requirements Individual electronic signature with personal passwords How to get access to ibank2: Sign the agreement for use of Internet Banking Register on our internet site and receive certificates of keys Sign and present the certificates to the Bank Start using ibank2 system page 11

12 Cash and e-management The Bank provides payroll services, corporate credit cards and acquiring services to its corporate clients (resident and non-resident companies). Corporate cards Plastic cards by Visa, MasterCard and Diners Club Maintenance of the card s account by mobile phone 24 hours a day, 7 days a week Additional discounts and presents for card holders The corporate account can be opened in RUR, USD and EUR Payroll projects Free installation of ATMs at the Customer s premises Free of charge cash withdrawals for the customer s employees in Absolut Bank ATMs and United Payment System «UPS» (more than 4000 ATMs) Free of charge SMS banking and Internet banking Salary conversions Acquiring Facilities available in 24 top regions Own processing centre Free installation of ATMs at the Customer s premises page 12

13 Credit facilities Absolut Bank offers a wide range of credit facilities to its corporate clients operating in various sectors of economy. We consider the relationship and history of your business as a whole. Absolut Bank offers the following forms of loans: Overdrafts Credit lines Bullet loans M&A financing Syndicated loans Real estate financing Project financing Terms and conditions Funding in Rubles, US dollars and Euro Fixed and variable interest rates Advantages Facilities in 24 top regions of Russia 14 years of lending experience in Russia Personal manager page 13

14 Trade finance for corporate clients Absolut Bank is a leader in trade finance for middle size companies and has established relations with Banks from Europe, US and Asia. Absolut Bank is a participant of Trade Facilitation Program of European Bank for Reconstruction and Development and Global Trade Finance Program of IFC. Trade finance instruments L/Cs with postfinancing / deferred payment Bank guarantees / stand-by letters of credit ECA backed transactions International factoring Terms and conditions Funding in Rubles, US dollars and Euro Fixed and variable interest rates Advantages Facilities in 24 top regions of Russia Cooperation with KBC Group Flexibility and individual approach Facilities available in CIS countries Working under UCP 600 and Instruction 2-P of the Central Bank of Russian Federation page 14

15 Treasury products for corporate clients Being a member of MICEX and active participant of Russian and International financial market, Absolut Bank offers its clients full range of services in performing treasury operations. Treasury instruments Money Market: short-term deposits and credits, long-term deposits FOREX: FX deals Hedging: Forward FX Brokerage Terms and conditions Products from 1 day up to 1 year Funding in G10 currencies Advantages Facilities in 24 top regions of Russia Interbank interest rates Online rates RUR/EUR, RUR/USD and EUR/USD page 15

16 Leasing for corporate clients Absolut Leasing started its activities in 2003 offering wide range of leasing products. What can you lease Auto transport Special machinery Equipment Real estate Terms and conditions Up to 7 years Funding in Rubles, US dollars and Euro Advantages Facilities in 24 top regions of Russia Cross-border transactions Possibility of using documentary operations Customs clearing and complete cycle of logistics page 16

17 BANK S PRODUCTS FOR INDIVIDUAL CLIENTS page 17

18 Cash management Services Current and deposit accounts in Rubles, US dollars, Euro Payments in Rubles, US dollars, Euro Remote access to the account (ibank2), service available 24 hours a day, 7 days a week Currency control Currency exchange Terms and conditions Can be found at: Advantages Facilities in 24 top regions of Russia Working hours from 9 a.m. till 21 p.m. VIP Banking Absolut Bank is a member of State Deposit Insurance Program page 18

19 Mortgage Items of mortgage Real estate on the primary market Real estate on the secondary market Land with country house Mortgage refinancing Terms and conditions Funding in Rubles, US dollars and Euro Tenor up to 25 years First payment from 10% of the mortgage item cost LTV = 90% (maximum) Advantages Facilities in 24 top regions of Russia Partnership with Capital-Group, MIAN, MIEL, PIK etc. (Total number of partners: 118) Presents and bonuses Application online 8th place among Russian banks in terms of mortgage loans portfolio (March 2009) page 19

20 Car loans Items of car loans New cars Used cars Russian or foreign cars Special transport Terms and conditions Funding in Rubles, US dollars and Euro Credit for residents and non-residents of Russia Term of up to 5 years Advantages Facilities in 24 top regions of Russia Partnership with Avtomir, Avtopassage, Major, Obukhov etc. (Total number of partners: 650) Presents and bonuses Application online page 20

21 Credit cards Types All types of debit and credit cards (Visa Platinum, Gold, Classic, Electron) Terms and conditions «Absolut Online» system: mobile payments, bills and utility payments Account information: - online (ibank2) - by SMS Call centre support 24 hours a day Advantages Facilities in 24 top regions of Russia Own processing centre Special campaigns Application online page 21

22 Asset management and brokerage Absolut Bank offers several investment strategies and styles of asset management. Investment portfolio is formed using various financial instruments considering client s long term expectations. Brokerage Trading in corporate and state securities (stocks and bonds) and derivatives (futures and options) Marginal trading Depositary services Online trading Application online Mutual funds Choice of 5 Mutual funds Investments in different securities allowing stable profit Application online page 22

23 INTERNATIONAL NETWORK DESK page 23

24 Services of International Network Desk page 24 Inside global KBC Group Network First point of contact for international companies Legal advice Tax advice Currency control advice Account opening Account servicing Selective advisory services Knowledge of local market Search for business partners/clients Cooperation with all departments of the Bank Close cooperation with KBC Group

25 Advantages Priorities Membership of KBC Group Best western practice and attitude One of the biggest networks in Russia Favorable tariffs Minimum pack of documents necessary for opening current accounts Business strategy Implement new products and services for foreign corporate customers Expand regional network Increase foreign corporate customer database Maintain strong credit risk profile Consolidate Bank s position in Russian banking sector page 25

26 Our clients page 26

27 Main tariffs Account opening (RUR/USD/EUR) RUR ( 27) / Free / Free Payment order (RUR) 30 RUR ( 0,8) Payment order (USD/EUR) 25 Incoming payments (RUR/USD/EUR) Conversion operations Free of charge No commission (the Bank s current rate of exchange) Issue of a passport of the deal 800 RUR ( 22 ) Maintenance of a passport of the deal 0.15% of the sum of each received payment made under a contract (not less than 600 RUR ( 16) and not exceeding RUR ( 815)) Issue of L/C (RUR) 0.15% of the amount (not less than RUR ( 27) ) Issue of a guarantee (RUR) 0.3% of the amount (not less than RUR ( 163) ) Collection and delivery of funds 0.2% of the amount (not less than 600 RUR ( 16)) Registration and servicing of ibank2 Free All information is stated as of June 2010 page 27

28 International Network Desk page 28 International Network Desk Andrey Kulikov Head of International Network Desk Natalia Alekseeva International Network Desk Lead economist Direct phone: + 7 (495) Fax: + 7 (495) Web-site: page 28

29 Contact information Full name Legal address Commercial bank Absolut Bank (ZAO) 18, Tsvetnoy Boulevard, , Moscow, Russia Telephone + 7 (495) Fax + 7 (495) Web site SWIFT [email protected] ABSLRUMM page 29