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           <h1>Main Events of 2011</h1>
<h4>Financial and operating results</h4>
<ul>
<li>Net income rose by 170% to RUB 1,594 billion and the ROE was 9.1%.</li>
<li>Assets increased by 10.7% to RUB 183.9 billion.</li>
<li>The corporate loan portfolio expanded by 14.6% to RUB 113 billion.</li>
<li>The share of small and medium-sized businesses (SMEs) in it climbed 
to 62%.<br />The retail loan portfolio expanded by 46.7% to RUB 24.4 billion.</li>
<li>The mortgage loan portfolio exceeded RUB 15 billion, up 57% year-on-year.</li>
<li>Deposits rose by 11.4% to RUB 145.1 billion.</li>
<li>The share of retail deposits was 63.6%.</li>
<li>Turnover on bank-card accounts increased by 11% to RUB 167 billion.</li></ul><br />


<h4>Strengthening market positions</h4>
<ul>
<li>International rating agency Standard & Poor’s upgraded the Bank’s ratings to ‘BB-’ on the international scale and ‘ruAA-’ on the national scale, the outlook ‘stable’.</li>
<li>In a rating of the world’s top-500 banking brands, Brand Finance valued the Vozrozhdenie brand at US$168 million.</li>
<li>Bank Vozrozhdenie again featured in a rating of the world’s top 1,000 banks compiled by authoritative British magazine The Banker.</li>
<li>The Bank expanded its geographic presence by opening a branch in Voronezh.</li></ul><br />


<h4>Professional recognition</h4>
<ul>
<li>The Bank won its second award for Best Financial Institution Providing Customs Services in the Customs Olympus competition for leaders in foreign economic activity.</li>
<li>Bank Vozrozhdenie won the European Bank for Reconstruction and Development (EBRD)’s “Deal of the Year – Export” award for its Trade Facilitation Program.</li>
<li>The Bank won Finance magazine’s 2011 award “For Longstanding Adherence to a Policy of Independence from Politics”.</li>
<li>In a competition organized by Thomson Reuters Extel and IR Magazine, Bank Vozrozhdenie’s investor relations division was again recognized as one of the 
best in Russia and the CIS, taking second place in the Grand Prix for the best service for investors of small-cap companies.</li>
<li>In the Top 1,000 Russian Managers rating compiled by the Association of Managers, Dmitry Orlov was named one of the top 10 senior managers in the commercial banking sector.</li></ul>


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