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Bank ZENIT
Bright Features Of The Future

Bank ZENIT was established in December 1994 by the Academy of National Economy under the Government of the Russian Federation, Tatneft Oil Company and a group of other legal entities. Mr Alexey A. Sokolov, one of the Bank's founders, was Chairman of the Bank's Board of Directors from 2005 to 2015. In May 2015, Mr Nail U. Maganov, Chairman of the Management Board, OJSC Tatneft named after V.D. Shashin, was elected Chairman of the Bank's Board of Directors. In November 2017, Mr Oleg A. Mashtalyar was appointed Chairman of the Bank's Management Board.

Bank ZENIT’s top priority is provision of a full range of services to corporate and retail clients. Bank ZENIT actively provides and promotes retail services, including mortgage loans, consumer and car loans, deposits, debit and credit cards, safe deposit boxes, etc. Corporate services include cash and settlement services, lending, acquiring, payroll projects, etc. In addition, the Bank holds a strong position in the investment banking and private banking sectors.

Bank ZENIT holds the following ratings from international ratings agencies: Ba3/Positive (from Moody's), BB/Stable (from Fitch) and ruA-/Stable (from Expert RA). The Bank serves as a parent bank of a banking group, with four other banks currently operating under the brand name.

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As an active player in the debt finance market, Bank ZENIT has successfully implemented projects to raise ten syndicated loans in the international market, placed two Eurobond issues (the debut and second issues were redeemed in 2006 and 2009 respectively) and 26 issues of the Bank's ruble-denominated bonds (including two additional issues as part of the previously issued bonds). Today Bank ZENIT has one classic issue of bonds and four exchange-traded bonds in circulation.

In 2017, the Bank arranged four bond issues totaling RUR 18.5 Bn. for the issuers operating largely in the financial sector. The Bank’s active presence in the debt finance market was reflected in its rankings from Cbonds.ru for ruble-denominated bonds. In 2017, the Cbonds.ru agency awarded Bank ZENIT the following rankings:

  • 10th in the Arranger League Table for corporate bonds of financial institutions and banks by volume (market issues);
  • 13th in the Arranger Leagues Table by volume (market issues).

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

Bank ZENIT carries out charitable support and sponsorship of several sports, including ice hockey, rugby, rafting, sporting and car racing.

About ZENIT Banking Group

ZENIT Banking Group was established in 2005 following the acquisition of a controlling stake in JSB Devon-Credit by Bank ZENIT. In 2007, the Banking Group acquired Lipetskkombank and Sochigazprombank (later renamed Bank ZENIT Sochi). Spiritbank (the city of Tula) joined the Group in December 2008.

According to the consolidated financial statements of the Banking Group for 2018, prepared in accordance with IFRS, capital calculated in compliance with the requirements of the Basel Committee amounted to RUR 33.9 Bn; assets amounted to RUR 255.7 Bn.

ZENIT Banking Group has a presence in 27 Russian regions. Its proprietary sales network has 165 branches.

The Group offers a wide range of banking services: comprehensive services for corporate clients, retail banking, investment banking and interbank services.

Products and Services
  • Bank Cards
  • Deposits and Investments
  • Cash Loans
  • Mortgages
  • Loan Restructuring
  • Service Packages
  • Safe Deposit Boxes
  • Private Banking
  • Remote Customer Services
  • Insurance
500 thousand
of satisfied customers
top 40
among Russia’s leading
banks
165
branches & ATMs in 27 regions
Contacts
Phone number:
Email:
Head office and Postal address:
117638, Moscow, Odesskaya St., 2

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

2019

2018

2017

2016

2015

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
30.05.2019
ZENIT Banking Group announces its IFRS financial results for the three-month period ended 31 March 2019

ZENIT Banking Group has published its interim condensed consolidated financial information prepared in accordance with International Financial Reporting Standards for the three-month period ended 31 March 2019 and Report on review of interim condensed consolidated financial information issued by an independent auditor.

ZENIT Banking Group reported a positive financial result of 534 million rubles for the three-month period ended 31 March 2019, up by 46% quarter on quarter. During the first quarter of 2019, net operating income grew by 29.5% quarter on quarter, up to 2,954 million rubles.

This positive financial result was mainly driven by increase in net fee and commission income (up by 29.2% quarter on quarter) and reduced provision charges (from the beginning of 2019, expected credit losses decreased by 725 million rubles).

The Group remains focused on reducing its reliance on finance raised in the debt capital markets. A portion of funds raised by the issue of debt securities in total liabilities decreased to only 3.2% as of March 31, 2019.

The Group continued its efforts to improve the quality of its loan portfolio. A portion of Stage 2 and Stage 3 loans under IFRS 9 in the total loan portfolio decreased to 6.9% (January 1, 2019: 8.0%), the ratio of such loans to capital was 41.3% (at the beginning of 2019: 54%).

ZENIT Banking Group maintains high capital adequacy ratios. The total capital adequacy ratio and Tier 1 capital adequacy ratio calculated in accordance with the requirements of the Basel Accord were 17.0% and 11.2% respectively (compared to the statutory capital adequacy ratios of 8.0% and 6.0% respectively).

Bank ZENIT’s credit ratings

In December 2018, RAEX Rating Agency (Expert RA) affirmed Bank ZENIT’s 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 2018, Fitch Ratings affirmed long-term foreign-currency issuer default rating at 'BB' with a stable outlook.

07.12.2018
ZENIT Banking Group announces its IFRS financial results for the nine-month period ended 30 September 2018

ZENIT Banking Group has published its interim condensed consolidated financial information prepared in accordance with International Financial Reporting Standards for the nine-month period ended 30 September 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 703 million rubles for the nine-month period ended 30 September 2018. During the nine months ended 30 September 2018, net operating income grew by 11.4% year-on-year, up to 7,195 million rubles.

This positive financial result was mainly driven by a 3.5% increase in net interest income, despite the continued overall decrease in market rates and reduced provision charges (an overall decrease in all items reflecting the change in the credit risk from financial instruments was 263 million rubles or 12%).

During the ninth-month period ended 30 September 2018, the Group’s annualized net interest margin (NIM) grew to 3.7%, up from 3.4% in 2017, driven by a relatively cheap 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 3.7% as at September 30, 2018, compared to 7.5% as at December 31, 2017.

The Group continued its efforts taken in 2017 to improve the quality of its loan portfolio, which enabled it to retain cost of risk (COR) at 2017 levels (1.8% during the nine-month period ended 30 September 2018 compared to 2% in 2017). A portion of Stage 2 and Stage 3 loans under IFRS 9 in the total loan portfolio decreased to 15% (January 1, 2018: 29%), the ratio of such loans to capital was 101% (at the beginning of 2018: 198%).

The Group has significantly grown its liabilities due to increases in customer accounts (a growth by 7.6% during the ninth-month period ended 30 September 2018).

ZENIT Banking Group maintains high capital adequacy ratios. The total capital adequacy ratio and Tier 1 capital adequacy ratio calculated in accordance with the requirements of the Basel Accord were 15.0% and 9.9% respectively (compared to the statutory capital adequacy ratios of 8.0% and 6.0% respectively).

Return on equity (ROE) was 3.8% during the nine-month period ended 30 September 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.

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
In April 2017, senior management assigned Mr. Mashtalyar for a position of Management Board Adviser. In November 2017, he 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.
Mikhail V. Stepanov
In July 2018, Mr. Stepanov was appointed Deputy Chairman of the Management Board 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.

Bank ZENIT’s Board of Directors comprises independent directors Mr V.V. Borutsky, Ms Sh. Gruman-Navot, Mr A.V. Panferov, Ms I. Terek and Mr S.V. Shibaev based on the requirements, which must be satisfied to include the shares of a joint-stock company in the quotation lists of Russia’s stock exchanges (Clause 13.3. of the 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.
Shlomit Gruman-Navot
In 2001, Ms Gruman-Navot graduated from the Open University of Israel, Tel Aviv, major in HR. 2018 - to the present time – CHRO, Yandex.Market Group. 2012 - 2018 – Head of HR, Alfa-Bank.
Member of the Board of Directors, PJSC Bank ZENIT.
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.
Inabat Terek
In 1984, Ms Terek graduated from Lomonosov Moscow State University with a degree in Economics and London Business School (MBA) in 1998. CEO, Rawson Consulting Ltd., Budapest.
Member of the Board of Directors, PJSC Bank ZENIT.
Sergei V. Shibaev
Director of Kafa Finance Inc., Canada.
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