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Bank ZENIT
Bright Features Of The Future

Bank ZENIT was formed in December 1994 by the Academy of National Economy under the Government of the Russian Federation, Tatneft Oil Company and a number of other legal entities. The Chairman of the Bank's Board of Directors was Mr Alexey A. Sokolov , one of the Bank's founders. In May 2015, Mr Nail U. Maganov, Chairman of the Management Board of OJSC "Tatneft" named after V.D. Shashin, was appointed Chairman of the Bank's Board of Directors. The Chairman of the Bank's Management Board is Mr Oleg A. Mashtalyar, appointed in November 2017.

Bank ZENIT sees provision of a full range of corporate services as one of its major business lines. Bank ZENIT actively develops and promotes retail services and offers its retail clients a full line of banking products, including deposits, mortgage loans, consumer loans and car loans, bank cards and safe deposit boxes. Also, the Bank holds a strong position on the private Banking.

Bank ZENIT holds the following ratings from international ratings agencies: Ba3/Positive (from Moody's) and BB/Stable (from Fitch).

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Being an active debt market player, Bank ZENIT has successfully completed the projects of raising ten international syndicated loans, placing two Eurobond issues (the debut and second issues were repaid in 2006 and 2009 respectively) and eighteen issues of the Bank's ruble-denominated bonds. There are now four classic bonds and six exchange-traded bonds issued by Bank ZENIT in circulation. Bank ZENIT's bonds are included in Quotation List A, Level 1, of the CJSC "MICEX Stock Exchange" and in the Lombard List of the Bank of Russia, which is another confirmation of Bank ZENIT's high level of reliability and financial stability.

Being a member of the Association of Russian Banks, represented in the Council of the Association, Bank ZENIT actively participates in the reforms underway in the Russian banking sector.

The Bank is involved in charity and sponsorship activities supporting sports, such as ice hockey, rugby, rafting, sporting and auto racing. In addition, the Bank successfully carries out the charity projects aimed at supporting children and children's institutions.

About ZENIT Banking Group

Banking Group ZENIT was formed in 2005 as a result of the acquiring by Bank ZENIT of a controlling stake in JSB Devon-Credit (OJSC, currently PJSC). In 2007, the Banking Group acquired OJSC Lipetskkombank (currently PJSC) and JSB Sochigazprombank LLC (later renamed into Bank ZENIT Sochi, currently JSC). OJSC Spiritbank (the city of Tula, currently PJSC) joined the Group in December 2008.

According to the consolidated financial statement of the Banking group for 2013, made in accordance with IFRS, Tier 1 capital of the Banking group amounts to RUR 28,7 bn, assets amount to RUR 299,9 bn.

The Banking Group ZENIT maintains presence in 27 out of 85 Russian regions. Its proprietary sales network has 172 branches. The Group provides full-scale banking services along the following lines: comprehensive servicing of corporate customers; retail servicing of individuals; investment banking; and interbank business.

Our main directions
  • Bank Cards
  • Deposits and Investments
  • Cash Loan
  • Mortgages
  • Repayment of Loans
  • Service Packages
  • Safe Deposit Boxes
  • Premium Banking
  • Remote Services
  • Insurance
430 thousands
of satisfied customers
top 50
among Russia’s leading
banks
72
branches & ATMs in 75 regions
Contacts
Phone number:
Email:
Head office and Postal address:
129110, Moscow, Bannyj per., 9

Contact Information for Investors
Oxana Sokolovskaya
Tel: +7 495 937 0737
Email: o.sokol@zenit.ru

Ratings

from the leading international
and national rating agencies

Investor
Relations

Event Address Date
Kesko Capital Markets Day 2018, Helsinki Handelsbanken’s Nordic Mid/Small Cap Seminar, Stockholm 24.05.2018
Year 2018 3-month interim report Handelsbanken’s Nordic Mid/Small 24.05.2018
Kesko Capital Markets Day 2018, Helsinki Handelsbanken’s Nordic Mid/Small Cap Seminar, Stockholm 24.05.2018
Kesko Capital Markets Day 2018, Helsinki Handelsbanken’s Nordic Mid/Small Cap Seminar, Stockholm 24.05.2018
30.08.2018
ZENIT Banking Group announces its IFRS financial results for the six months ended 30 June 2018

ZENIT Banking Group has published its interim condensed consolidated financial information prepared in accordance with International Financial Reporting Standards for the six months ended 30 June 2018 and Report on review of interim condensed consolidated financial information issued by an independent auditor.

ZENIT Banking Group reported a positive financial result of 618 million rubles for the six months ended 30 June 2018 (during six months ended 30 June 2017: 645 million rubles). Net operating income grew by 9.6% year-on-year during six months ended 30 December 2018.

This positive financial result was mainly driven by a 10% increase in net interest income, despite the continued overall decrease in market rates (4.5 billion rubles during the six months ended 30 June 2018 compared to 4.1 billion rubles in the six months ended 30 June 2017).

During six months ended 30 June 2018, the Group’s annualized net interest margin (NIM) grew by 3.8%, up from 3.4% in 2017, driven by a cheaper funding base and improved profitability of operations.

The Group remains focused on reducing its reliance on finance raised in the debt capital markets. A portion of funds in total liabilities raised by the issue of debt securities fell to 5.5% as at June 30, 2018, compared to 7.5% as at December 31, 2017.

The Group continued its efforts taken in 2017 to improve the quality of the loan portfolio, which enabled it to retain cost of risk (COR) at 2017 levels (1.9% during six months ended 30 June 2018 compared to 2% in 2017). Provisions for impairment of NPL90+ remain at a high level (239%, which is significantly higher than the market average). A portion of Stage 3 loans under IFRS 9 in the total loan portfolio remained at the levels of the first quarter of 2018.

The Group has significantly grown its liabilities due to increases in customer accounts (a growth by 8 billion rubles, or up by 4.7% during six months ended 30 June 2018).

ZENIT Banking Group maintains high capital adequacy ratios. Total capital ratio and Tier 1 capital adequacy ratio calculated in accordance with the Basel accord were 14.6% and 9.7% respectively (compared to the statutory capital adequacy ratios of 8.0% and 6.0% respectively).

Return on equity (ROE) was 5.0% during six months ended 30 June 2018; meanwhile, all key indicators remained in line with or above the targeted levels set out in the Three-Year Strategy.

Bank ZENIT’s credit ratings

In December 2017, RAEX Rating Agency (Expert RA) assigned to Bank ZENIT a credit rating of 'ruА-'. The outlook is stable.

On 20 February 2018, Moody’s Investors Service affirmed the Bank’s 'Ba3' long-term foreign-currency deposit rating and changed to positive from negative the outlook on this rating.

In December 2017, Fitch Ratings affirmed long-term foreign-currency issuer default rating at 'BB' with a stable outlook.

07.06.2018
Chairman of ZENIT’s Management Board Oleg Mashtalyar has joined the Association of Russian Banks
According to decision of incumbent banking association governance body, Chairman of ZENIT’s Management Board Oleg Mashtalyar has joined the Association of Russian Banks with effect from 1 June 2018.
30.05.2018
ZENIT Banking Group announces 2017 IFRS financial results
ZENIT Banking Group has published 2017 consolidated financial report following International Financial Reporting Standards.
In 2017 net loss of ZENIT Group declined by 8 times in comparison with 2016. Pursuant to established 3-year development strategy in February 2018, since the beginning of 2018 ZENIT Banking Group expects positive financial results.
13.02.2017
Moody's upgrades Zenit
International rating agency Moody's Investors Service has raised its long-term local currency and foreign currency deposit ratings, and its senior local currency unsecured debt rating on Zenit from B1 to Ba3. The lender's BCA was affirmed at b1, adjusted BCA was raised from b1 to ba3. The bank's long-term CRA was raised from Ba3(cr) to Ba2(cr), short-term deposit rating were affirmed at Not Prime, and short-term CRA at NP(cr). The outlook for the bank's long-term deposit and debt ratings is negative.
10.08.2016
Bank Zenit recommends shareholders to accept Tatneft’s stock buyout offer
The board of directors at Bank Zenit recommended that the bank's shareholders should accept Tatneft's mandatory offer to buy the financial institution's common registered shares, the lending institution said in a press release.
31.03.2016
Bank Zenit sees FY14 IFRS net profit slide 27.5%
Net profit earned by Bank Zenit in 2014 under IFRS declined 27.5% to Rub 1.6 b, the lending institution said in a press release. As the bank specified, the primary factor behind a decline in net profit was an increase in provisions. The bank's aggregate assets jumped 11.8% to Rub 335.1 bln in the reporting period. The bank's credit portfolio expanded 13.9% to Rub 227.3 bln (up Rub 27.7 bln). Funds drawn from clients in 2015 increased Rub 5.8 bln (3.3%) to Rub 180.2 bln. The lender's net interest income grew 12.2% to Rub 9.3 bln (Rub 8.2 bln in 2013).

Corporate
Governance

The Management Board is the Bank's collegial executive body that rules the Bank's daily operations. The Bank's Management Board is comprised of the Management Board Chairman, his deputies and other Board members.

Oleg A. Mashtalyar
From January to July 2002 — a member of the Management Board. In November 2017, Mr. Mashtalyar was appointed Chairman of the Management Board, PJSC Bank ZENIT.
Andrey V. Dobrynin
In September 2017, Mr. Dobrynin was appointed First Deputy Chairman of the Management Board, PJSC Bank ZENIT.
Sergey M. Boyev
In August 2017, Mr Boyev was appointed Chief Risk Officer at Bank ZENIT. In December 2017, he joined Bank ZENIT's Management Board and was appointed Deputy Chairman of the Management Board PJSC Bank ZENIT.
Mikhail V. Stepanov
In July 2018, Mr. Stepanov was appointed Deputy Chairman of the Management Board PJSC Bank ZENIT.
Olga E. Shcherbakova
In April 2011 she was appointed Deputy Chairperson of the Management Board of PJSC Bank ZENIT.
Dmitry A. Yurin
In October 2017, Mr Yurin joined Bank ZENIT as Head of Retail Banking. In March 2018, he was appointed a member of Management Board of Bank ZENIT and Deputy Chairman of the Management Board, PJSC Bank ZENIT.

The Board of Directors of PJSC Bank ZENIT exercises overall direction of the Bank's operations, except for the matters within the competence of the General Meeting. The Board of Directors' role includes issues enumerated in the Federal Law «On Joint-Stock Companies» and the Bank's Charter.

Nail U. Maganov
Chairman of the Management Board and General Director of PJSC Tatneft named after V.D. Shashin.
Chairman of the Board of Directors of Bank ZENIT.
Vladimir V. Borutsky
In 2011-2017, Mr Borutsky was Partner and Managing Director at the Boston Consulting Group, Moscow. Member of the Board of Directors, PJSC Bank ZENIT.
Alexey S. Vorobyev
Managing Director, Financial Institutions Department, Vnesheconombank.
Vitaly V. Lipanov
Member of the Board of Directors, PJSC Bank ZENIT.
Alexey V. Panferov
Member of the Supervisory Board and Deputy Chairman of the Management Board, PJSC Sovcombank.
Arkady V. Sokolov
Member of the Board of Directors, PJSC Bank ZENIT.
Nurislam Z. Syubaev
Member of the Management Board, Deputy General Director for Strategic Development, PJSC Tatneft named after V.D. Shashin.
Shafagat F. Takhautdinov
Member of the Board of Directors of PJSC Tatneft named after V.D. Shashin. Advisor to Chairman of the Board of Directors of PJSC Tatneft named after V.D. Shashin.
Evgeny A. Tikhturov
Member of the Management Board and Director of Finance Department of PJSC Tatneft named after V.D. Shashin.
Sergei V. Shibaev
Director of Kafa Finance Inc., Canada.
Kirill O. Shpigun
Member of the Board of Directors, PJSC Bank ZENIT.
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Согласие на обработку персональных данных

В порядке и на условиях, определенных Федеральным законом от 27.07.2006 No152-ФЗ, настоящим даю согласие ПАО Банк ЗЕНИТ, расположенному по адресу: Россия, 129110, г. Москва, Банный переулок, дом 9 (далее - Банк), на обработку (осуществление действий (операций), включая сбор, запись, систематизацию, накопление, хранение, уточнение (обновление, изменение), извлечение, использование, передачу (распространение, предоставление, доступ), обезличивание, блокирование, удаление, уничтожение) с использованием средств автоматизации и/или без использования средств автоматизации моих персональных данных, указанных в настоящем Обращении, в целях 1) на получение Банком необходимой информации из Бюро кредитных историй в соответствии с Федеральным законом «О кредитных историях» No 218-Ф3 от 30.12.2004; 2) повышения качества обслуживания Банком клиентов; 3) предоставления информации лицам, уполномоченным (в силу закона, договора или любым иным законным образом) на проведение проверок и/или анализа деятельности Банка, а также на осуществление иных форм контроля за деятельностью Банка, для целей осуществления ими указанных функций; 4) продвижения продуктов и услуг Банка; 5) разработки, модификации и усовершенствования систем принятия решений, используемых в Банке.

Указанное Согласие действует с момента направления настоящего Обращения в Банк и действительно до даты отзыва указанного Согласия, если иное не предусмотрено действующим законодательством. Отзыв указанного Согласия осуществляется в установленном законом порядке. В случае отсутствия иных законных оснований на обработку персональных данных Банк прекращает обработку персональных данных и уничтожает или обезличивает персональные данные в течение 180 рабочих дней со дня получения письменного заявления об отзыве Согласия.

Настоящим также заявляю, что мне известно, что передача информации по незащищенным каналам связи и в информационно-телекоммуникационной сети Интернет связана с угрозами распространения передаваемой информации неограниченному кругу лиц и/или несанкционированной модификации указанной информации, и принимаю все риски, связанные с указанными угрозами.