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           <h1>Branches in Russia</h1><a name="top"></a>
 
<p>One characteristic of the Bank&rsquo;s business is its geographic diversification. As of 31 December 2010, its network consists of 173 branches in 21 Russian regions. The Bank pursues a policy of steady regional development and plans to focus on the regions where it is already present. The number of branches will be increased in line with demand in each region and with the business model.</p>
 
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<h2> Offices in the Moscow Region </h2>
 
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