1. Presentation
July 2016

2. Shareholders, Auditors, Membership in associations
Profile
Private commercial bank with a universal profile General Banking Licence No dd
Established
September 1992
Shareholders
Management of the Bank (31%)
European Bank
for Reconstruction and Development (28%)
JSC Nizhnekamskneftekhim
and its Management (21%)
Gazprombank (OAO) (3%)
Others %)
Auditors
Deloitte & Touche CIS (IFRS) since 2003
Membership in associations and unions
S.W.I.F.T., Moscow Interbank Currency Exchange,
Nizhniy Novgorod Currency and Stock Exchange, VISA International,
Association of Russian Banks, Bank Association of the Republic of Tatarstan,
National Securities Market Association
Deposit Insurance System, , registration No. 138

3. Ranking and Ratings Ranking among Russian Banks as of 01.07.2016
147th place for the size of Net Assets
137th place for the volume of Loan Portfolio
208th place for the volume of Net Income
Tatarstan Banks
7th place for the size of Net Assets
7th place for the volume of Loan Portfolio
7th place for the volume of Net Income
Fitch Ratings
Foreign Currency: Long Term IDR 'B',
Short-term IDR 'B-‘,
National long term rating 'BB(rus)'
RusRating
Credit Ratings: National scale ‘BBB’ stable outlook
International scale ‘BB’ stable outlook

4. Key Figures for 2015 (RAS) Assets decreased by 3,0% RUB 23 bln
Financial results are calculated according to Russian Accounting Standards
Assets decreased by 3,0% RUB 23 bln
Loan portfolio amounted to RUB 14.8 bln
Net Profit amounted to RUB 107 mio
Total Capital amounted to RUB bln
Capital Adequacy Ratio ,24%
рати

5. Key Figures for 2015 (RAS with EARD)
Financial results are calculated according to Russian Accounting Standards
Assets decreased by 3,0% RUB 23 bln
Loan portfolio amounted to RUB 14.8 bln
Net Profit (with EARD) amounted to RUB 11 mio
Total Capital amounted to RUB bln
Capital Adequacy Ratio ,90%
рати

6. Key Figures for 2015 (IFRS)
Financial results are calculated according to IFRS at the exchange rate of the Central Bank of Russian Federation on the dates indicated
Assets decreased by 6.5% to RUB 21.6 bln (USD mio)
Loan portfolio amounted to RUB 16.3 bln (USD mio)
Net Profit (Loss) amounted to RUB mio (USD mio)
Total Capital amounted to RUB 2.05 bln (USD mio)
Capital Adequacy Ratio %

7. Assets Structure as of 01.07.2016 Index mio. Rub. Index mio. Rub. Cash
1 034
Mandatory cash balance with CB RF
100
Due from banks
2 257
C/a Nostro with resident banks
324
C/a Nostro with non-resident banks
1 112
IBL granted
786
Deposits with CB RF
Funds at stock exchange and other funds 36
(Provisions for possible losses) -1
Reverse repo operations 81
Investments in securities
2 966
Bonds
1 511
Eurobomds
1 562
Bills of exchange 47
Shares 3
(Provisions on debt securities)
-157
Loan portfolio (-provisions)
14 825
Loans to CB, incl.
11 006
- in Rubles
11 023
- overdue loans 55
Loans to SME, incl.
1 731
135
Loans to individuals
2 088
- mortgage
391
- car loans
250
- consumer loans
1 307
- overdraft on payment cards 11
- claim rights 21
369
(Provisions for possible losses)
-683
- to corporate clients
-299
- loans to SME
-123
- loans to individuals
-261
Investments 13
Fixed assets and property (-amortiz)
829
Other assets
185
Interest accrued
1200
TOTAL NET ASSETS
23 490

8. Liabilities Structure as of 01.07.2016
Index
mio. Rub.
Index
mio. Rub.
Due to banks
2 595
Due to CB RF
Due to Russian banks
1 527
- IBL
785
- c/a Loro
- SME Bank
742
Due to non-resident banks
1 068
Repo operations
1 882
Customer accounts
15 379
Individual customer accounts
11 393
On demand accounts
234
Card accounts
1 027
Time deposits
10 132
- in Rubles
8 642
- in Dollars
1 152
- in Euro
338
Corporate customer accounts
3 986
Current accounts
1 804
Time deposits
2 180
Liabilities under L/Cs 2
Subordinated loans
1 043
Debt securities issued
Other liabilities
184
Off-balance provisions 44
Interest accrued 79
Equity (capital)
2 328
TOTAL NET LIABILITIES
23 490

9. Branch Net: Head Office + 19 offices
KAZAN:
Head office
1 branch
8 outlets
1 operational office
Nizhnekamsk:
1 outlet
Mendeleevsk:
Naberezhnye Chelny:
Yoshkar Ola (Mari El Republic):
1 outlets
Volzhsk (Mari El Republic):
Izhevsk (Udmurt Republic):
Ufa (Bashkortostan Republic):
Yoshkar-Ola – 2
Izhevsk – 1
Volzhsk – 1
Mendeleevsk – 1
Kazan – 10
Naberezhnye
Chelny – 1
Zelenodolsk – 1
Nizhnekamsk – 2
Ufa – 1
Total number of employees – 504

10. Board of Directors Aidar Sudiyarov Evgenia Dautova
Chairman of the Board of Directors,
Adviser to Director, ZAO Regional Fuel Energy Company
Chairman of the Management Board, JSCB Spurt (PJSC)
Ruslan Sadykov
Senior Lawer of Kazan Synthetic Rubber Plant
Ildar Gainutdinov
Shareholder
Inna Yabbarova
Senior Banker, Financial Institutions
European Bank for Reconstruction and Development
Vladimir Gritskikh
Boris Gikharevitch
Head of design expert department of NCO "Regional Foundation for Socio-Economic Development" Tugan Il '
Director of Resource Center for Strategic Planning under ‘Leontievsky center’ (St. Petersburg)

11. Strategy
Principal activity Universal Bank, standing among top 10 banks in the Volga Region
Regional Expansion Expansion of Branch net within the Volga Region mainly as selling
outlets for retail and SME products
Target customer groups SMEs and legal entities of the Volga region including the partners of the existing customers, their employees and local
population.
Business Focus Regional and product diversification of activity, enlargement and optimization of the products line particularly in SME, Retail and trade finance. Use of the existing experience of companies readjustment and investment project realization in chemistry, manufacturing and construction industries
Risk diversification Diversification of territorial presence by regional expansion
decreasing the lending concentration through the growth of customer base increasing the efficiency of borrowings on domestic and foreign markets

12. Competitive Advantages
Transparent ownership structure and attractive reliability sustained by international shareholder, IFRS disclosed financials and international credit rating
Clear strategy of development supported by international investors
Efficient lending technologies implemented in cooperation with KfW and EBRD. Presence of the well qualified credit personnel in every branch and outlet
Flexible approach to every customer, competitive pricing and quick decision making procedures
Qualified and well motivated management and personnel
Diversified long-term funding from the domestic and foreign markets and international institutions of development

13. Key Clients of the Bank by Industry
Gas and Power Industry: Tattransgaz, KazEnergo
Refinery and Chemical production: Nizhnekamskneftekhim, Kazan Synthetic Rubber Plant, Danaflex, Mirrico Group, Industrial Park Kamskiye Polyany, Kama-Volga Joint Stock Company of Rubber Products “Kvart".
Construction Industry: UKS utilities and development of energy-saving technologies of RT, Sviyagastroy, Construction Investment Company-NK, Kulonstroy, Talan Group (Udmurtia), Titan Group (Udmurtia), Kazantsentrstroy, Ak-Tash, Construction company FaRus, SNEMA-Service (Bashkortostan), Fortex, PSO Kazan.
Machinery construction: Belebeyevsky Plant Avtonormal (Bashkortostan), Izhevsk Boiler Plant, Riat
Transport: Kazan Aviation Enterprise, Tulpar-Helicopters
Insurance: Industrial Insurance Company, Sogaz Insurance Company, NASKO Insurance Company, Medical Insurance Company “Spasenie”, Insurance Company Chulpan, Rosgosstrakh, Insurance Company Talisman, Kazan Branch of Insurance Company Railway Insurance Fund.
Trade Industry: TransTechService, Chulpan Trade, Three Whales, ICC Anatomika
Leasing Companies: Leasing-Trade, Interregional Investment Company
State and municipal institutions: Kazgorsvet, FGBOUVPO "KNRTU“, Ritual
Tatarstan - one of the most economically developed regions of the Russian Federation.
Main wealth is crude oil.
Leading industries: oil production, chemical and petrochemical sectors, aircraft construction, shipbuilding, production of cars and trucks, mechanical engineering.

14. Loan Portfolio Structure as of 01.07.2016
The Bank is focused on work with small and medium-sized businesses, but it also provides loans to individuals.

15. Loan Portfolio Industry Breakdown as of 01.07.2016
Industrial Production
Construction
Trade
Financial Services
Other
Real estate
Retail Services
Agriculture
Transport
Loan portfolio industry breakdown is highly diversified, which reflects its low risk

16. Retail Banking
Spurt Bank serves over 166 th. accounts of individuals as of
Focus on the development of low-risk duly secured loan products, loans to employees of enterprises served under payroll projects.
Spurt issues VISA cards, EuroCard /MasterCard.
The number of payroll contracts with corporate clients totalled 444, number of payment cards comprised over 80 thousand as of
Total number of Bank’s ATMs amounted to 135, number of payment terminals in retail and service establishments – 322 as of
Cards and Current Accounts
Time Deposits 16

17. International Activity
Main Correspondents: Commerzbank AG , Frankfurt
VTB Bank Deutschland, Frankfurt
Bank Austria UniCredit Group, Vienna
Obtained medium and long term credit facilities on ECA covered base
approvals of US Ex-Im bank, HERMES, EKN, SACE
Basic Agreement with AKA Ausfuhrkredit-Gesellschaft mbH
Trade facilities received from international banks
EBRD Trade Facilitation Program line for 1 ½ years

18. Cooperation with Institutions for Development
June 2004
SME Bank - first RUB 57 mio credit line of in the framework of government SME support program. The total volume of SME Bank funding at the end of 2013 exceeded RUB 3,2 bln.
September 2005
EBRD - senior loan RUB 280 mio, tenor 4 years for on-lending to SMEs.
October 2005
EBRD - Trade facilitation Program USD 4 mio, tenor 1,5 years
September 2006
KfW Bank - senior loan USD 8 mio, tenor 7 years for on-lending to SMEs.
May 2007
EBRD became a shareholder of Spurt Bank with 28,25% stake in the existing capital.
December 2007
EBRD - senior loan RUB 260 mio, 5-year tenor for on-lending to SMEs
DEG - Subordinated Loan USD 16 mio, 8-year tenor
December 2008
EBRD - Subordinated Loan USD 10 mio, 10-year tenor
June 2010
KfW - Bank senior loan USD 10 mio, 5-year tenor for Energy Efficiency financing
January 2012
KfW - Bank senior loan USD 30 mio, 4-year tenor for Energy Efficiency financing
April 2014
International Investment Bank - senior loan EUR 15 mio, 5-year tenor for modernization and Energy Efficiency projects

19. Cooperation with International Institutions for Development.
EBRD
RUB 280
mio
4 years
$ 4 mio
18 months
KfW
$ 8 mio
7 years
RUB 260
5 years
DEG
$ 16 mio
8 years
$ 10 mio
10 years
SME TF
Capital
$ 30 mio
IIB
€ 15 mio

20. Contacts Address of the Head Office:
2, Spartakovskaya Str., Kazan, Russia
Tel
Fax