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Dear shareholders, clients and partners!

The Board of Directors and Board of the Commercial Bank “Gagarinsky” (Closed Joint-Stock Company) (hereinafter referred to as CB “Gagarinsky”) are glad to welcome you and express sincere gratitude for trust, support and fruitful team-work!

CB “Gagarinsky” has been founded in 1990, as the versatile, universal credit institution rendering a full spectrum of bank services.

The Bank history leaves the roots in far 1973. The founder of CB “Gagarinsky” it was the Moscow - the Gagarinsky branch of State Bank of the USSR further renamed into Gagarinsky branch Zhilsotsbank of the USSR.

For passed more than 35-year-old period CB “Gagarinsky” has adequately overcome all difficulties caused by the crisis phenomens in economy and bank sphere, having confirmed the reliability and a stable financial position.

High level of work and steady positions in the market have allowed Bank to enter in February, 2005 in the Bank of Russia's System of Deposit Insurance. By the classification of reliability of banks of Moscow published by the Information Centre "Rating", CB "Gagarinsky" permanently takes position in group of reliability "В2".

As for today, CB "Gagarinsky" is the universal commercial bank specializing on granting of financial services to private persons, individual businessmen and the enterprises of small and average business.

The most priority lines of activity of the Bank, essential impact on changes of financial result are crediting, leasing and factoring for real sector of economy and also crediting of private persons.

Thanking Bank’s directivity on the client and also accurate work of the collective welded by the years, business and partner relations continue to connect CB "Gagarinsky" with more than two thousand enterprises and the organizations in which number:
FSUE «Mosfilm Cinema Concern », CJSC "Moscow integrated brewery and soft drink complex "Ochakovo", the Moscow Center AUVD, CJSC " LUX ", OJSC "Moscow Champagne Winery", OJSC "RISP", CJSC "Lambumiz", OJSC "VARZ-400", OJSC «Ochakov industrial complex ZHBI», OJSD "Moscow khladokombinat №14", CJSC " Gagarinsky ", OJSC «The White Summer Residence Flowers», SUE “Moszelenhoz", etc.

Our achievements are achievements of a command of the professionals aimed at the optimum decision of problems preceding in front of the Bank. Knowledge and the creative approach to business of our employees helps CB "Gagarinsky" to move forward offering clients qualitative services and technologies of service.

We thank all shareholders, partners and clients of the Bank! We hope for continuation of the further business cooperation!


Licenses and certificates:

• “The general license of Bank of Russia for realization of bank operations that permitted to carry out the whole complex of standard banks’ operations both in national and foreign currencies”. № 606 from September, 29, 1999;
• “The license of Federal Commission on Securities for activity realization on management of securities” № 077-03123-001000 from November, 27, 2000;
• “The license of Federal Commission on Securities for realization of dealer activity” № 077-03045-010000 from November, 27, 2000;
• “The license of Federal Commission on Securities for realization of broker activity” № 077-02938-100000 from November, 27, 2000;
• “The license of the exchange intermediary making commodity futures and options transactions in exchange trade” № 1136 from February, 21, 2008;
• “The certificate on bank inclusion in the register of banks – participants of the Bank of Russia's System of Deposit Insurance” № 668 from February, 17, 2005.

Correspondent Banks:

• Raiffeisen Bank International AG, RBI – Vienna, Austria;
• VTB Bank, Moscow;
• UniCredit Bank, Moscow;
• Promsvyazbank, Moscow;
• Russlavbank, Moscow;
• Platinum, Moscow;
• Master Bank, Moscow.


The bank is a member:

• The Association of the Russian Banks (ARB);
• The Moscow Chamber of Commerce and Industry;
• The Guild of financial managers;
• The Russian National SWIFT Association;
• The Moscow Interbank Currency Exchange (MICEX);
• The affiliate member of international payment systems MasterCard International.



PRINCIPAL DOMESTIC BRANCHES:

»“OLIMPIC”
4/3, Michurinsky Avenue, Olimpiyskaya Derevnya, Moscow 117602
Tel.: +7 095 735 6602

»“PEREDELKINO”
15, Chobotovskaya Street, Moscow 119634
Tel.: +7 095 733 0350

»“UNIVERSITY”
6/1, Miklukho-Maklay Street, Moscow 117198
Tel.: +7 095 431 9154

»“Nizhniy Novgorod branch”
165, Rodionova Street, Nizhniy Novgorod 603093
Tel.: +7 831 419 0 700

 


Executive Board:

Chairman of the Board - Igor N. Sharov
Deputy Chairman of the Board - Head of service of the internal control - Sergey V. Savchenko
Deputy Chairman of the Board - Tatiana A. Karpushkina
Deputy Chairman of the Board - Nataliya I. Grebennikova
Tel.: + 7 495 430 6725; E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript


Other Personnels:

»Deputy Chairman of the Board,Head of financial operations Department – Juri M. Nikolaev
Tel.: + 7 495 437 9804; E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript

»Chief Accountant – Anna V. Lunina
Tel.: + 7 495 430 7337; E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript

»A deputy of chief accountant - Olga N.Pustovoytova
Tel.: + 7 495 437 9817; E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript

»Head of International Currency Department – Ilya V. Ilyin
Tel.: + 7 495 437 9816; E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript

 

MANAGMENT OF THE NIZHNIY NOVGOROD BRANCH:

Managing director- Elena V. Maevskya
Chief Accountant - Irina B. Kotova
Tel.: + 7 831 419 0 700; E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript

 

GENERAL INFORMATION

General license № 606 from September 29, 1999
Russia's System of Deposit Insurance Certificate № 668 from February 02, 2005
Address 7, 2nd Ochakovsky Lane, Moscow, 119361, The Russian Federation
SWIFT GAGBRUMM
Reuters Dealing GGRB
E-mail E-mail: Этот e-mail адрес защищен от спам-ботов, для его просмотра у Вас должен быть включен Javascript
Web Нttp: www.gagarinbank.ru
Tax Identify Number 7729078921
Telephone (+7 495) 430-7161
Fax (+7 495) 430-1400 

 

PAYMENT DETAILS

The Clearing House of the Moscow Main Territorial Department of the Bank of Russia RUR 30101 810 400000000429 BIC044525429

VTB Bank, Moscow		 RUR 30109 810 700000000384
USD 30109 840 800000000571
EUR 30109 978 655550000038

UniCredit Bank, Moscow		 RUR 30109 810 900010002006
USD 30109 840 800010002008
EUR 30109 978 100010124794

Promsvyazbank		 RUR 30109 810 100000049001
USD 30109 840 400000049001
EUR 30109 978 000000049001

Russlavbank		 RUR 30109 810 100000000435
USD 30109 840 400000000435
EUR 30109 978 000000000435
Raiffeisen Bank International AG, RBI -
Vienna, Austria		 USD 70-55.048.284
EUR 55.048.284

 

REGUISITES OF THE NIZHNIY NOVGOROD BRANCH

The correspondent account in Soviet RKC Nizhniy Novgorod of Central administrative board of the Central Bank of Rosijsky Federation across the Nizhniy Novgorod region 30101 810 100000000874
BIC 042282874
INN 7729078921
KPP 526043001

 

CORPORATE BUSINESS

Settlement and Cash service

While servicing corporate accounts the Bank always is committed to meeting the needs of every customer in bank services, providing tailored services to meet unique needs of every client groups, whether they were large industrial enterprises or small/middle-sized firms. Due to its diversification, the Bank provides its clients with a full range of services, in particular integrated account services, collection and delivery of cash, use of corporate bank cards for the payment of salary and travel expenses to companies' personnel, bank loans or different types and management of available funds.

Foreign Economic Activity Servicing

Operative and high quality servicing operations of clients' foreign economic activity traditionally remains a priority direction of the Bank's business. A wide range of banking products and services is combined at that with customized and complex approach to demands of clients. The Bank provides personal consultations to clients on issues of foreign trade transactions subject to requirements of Russian Federation currency legislation and international banking practice already at the elaboration stage of contracts for the purposes of optimization and efficiency improvement of international settlements. The Bank carries out international settlements in national and foreign currencies in all forms adopted by international banking practice, subject to specific features of clientele foreign economic activity. The Bank continues to attribute serious attention to development of settlements in the form of documentary credits. They enable clients to actually monitor receipt of acquired commodities and cash inflow for supplied goods. Export-import operations of the Bank's clients with payment conditions of documentary credit increased in total considerably. According to client requests, the Bank issues bank guarantees in foreign currency as well as in Russian Roubles as performance bond of clients' obligations to foreign partners and government authorities of the Russian Federation.

Loan and Investment

Loaning is one of the principal directions of the Bank's business. The Bank manages due to its stable financial position to both preserve reached scope of crediting and provide for upward trend of credit investments growth. The Bank carries out diversification of sector affiliation of borrowers, credit issuance terms and subjects of credit relations. Financial resources were largely used for crediting enterprises in real sector of economics: food industry (beer and soft drinks, wine-making), trade, building industry, air and motor transport. The Bank renders the full spectrum of loan services and offers a wide range of crediting modes: demand line of credit, term credit, overdraft settlement credit, paper credit, provides leasing services and also issues bank guarantees. As in previous years, the Bank during the elapsed period continues to search of new financial instruments and develop new schemes for satisfaction of clients' needs with individual approach to each borrower. Now the Bank is more active in long-term investments, displaying persistence in enlarging financing of long-term investment projects for development of operating enterprises and establishment of new production facilities.

Financials

Financial and economic activity of CB “Gagarinsky” is always characterized by stability of the basic parameters of its work.

 

» BALANCE SHEET Of THE COMMERCIAL BANK "GAGARINSKY" as for 01.01.2009

» BALANCE SHEET Of THE COMMERCIAL BANK "GAGARINSKY" as for 01.01.2008

BALANCE SHEET

Liabilities Non-Consolidated Dec.31 2008 Non-Consolidated Dec.31 2007 Non-Consolidated Dec.31 2006 Non-Consolidated Dec.31 2005 Non-Consolidated Dec.31 2004
  Rouble Rouble Rouble Rouble Rouble
Capital 27,605,000 27,605,000 27,605,000 27,605,000 27,605,000
Reserves 202,014,000 173,387,000 146,843,000 129,979,000 116,009,000
Deposits, &c 1,379,711,000 1,530,954,000 1,467,289,000 1,052,819,000 792,525,000
Other Liabilities 17,316,000 22,173,000 11,937,000 8,176,000 6,865,000
Profit Balance 39,217,000 25,890,000 25,534,000 21,367,000 15,069,000
Total 1,665,863,000 1,780,009,000 1,679,208,000 1,239,946,000 958,073,000
These figures may not be comparable with subsequent years

 

BALANCE SHEET

Assets Non-Consolidated Dec.31 2008 Non-Consolidated Dec.31 2007 Non-Consolidated Dec.31 2006 Non-Consolidated Dec.31 2005 Non-Consolidated Dec.31 2004
  Rouble Rouble Rouble Rouble Rouble
Cash & Banks 438,287,000 241,326,000 288,356,000 359,991,000 226,681,000
Investments 122,059,000 263,621,000 221,734,000 84,650,000 218,949,000
Loans, &c 1,067,548,000 1,254,193,000 1,143,127,000 765,741,000 486,289,000
Fixed Assets 15,591,000 14,049,000 14,850,000 15,525,000 14,960,000
Other Assets 22,378,000 6,810,000 11,141,000 14,039,000 11,194,000
Total 1,665,863,000 1,780,009,000 1,679,208,000 1,239,946,000 958,073,000
o These figures may not be comparable with subsequent years

 

PROFIT & LOSS STATEMENT

  Non-Consolidated Dec.31 2008 Non-Consolidated Dec.31 2007 Non-Consolidated Dec.31 2006 Non-Consolidated Dec.31 2005 Non-Consolidated Dec.31 2004
  Rouble Rouble Rouble Rouble Rouble
Net Interest Inc. 162,218,000 118,587,000 80,067,000 70,933,000 49,984,000
Net Profit/(Loss) 39,217,000 25,890,000 25,534,000 21,367,000 14,161,000
These figures may not be comparable with subsequent years