Revenue from crediting (including bills of credit) of Novosibirsk branch for 11 months 2008 increased in 1,9 times compared to the similar period in 2007 and equaled to 128 mln rubles. The assets of the branch as of Dec. 1st 2008 reached 1,6 billion rubles, while the underling net income for 11 months 2008 are 29,8 mln rubles.

During 2008 the corporate loan portfolio has increased by 82% and as of today equaled to more than 1 billion rubles. The volume of small and medium enterprises loan portfolio in one year has increased by 40% and amounted to 120 mln rubles. Over 11 months 2008 the total number of consumer loans has reached 2,7 thousands with the total amount up to 482 mln rubles. Novosibirsk branch increased the retail loan portfolio in 17 times over the year and became the absolute leader in the sales dynamics in the region. During 2008 the branch has opened 9 new sales offices.

Net income of Omsk branch for 2008 increased in 2,4 times and equaled to 674 mln rubles. Revenue from crediting (including bills of credit) for 2008 amounted to 1,5 billion rubles which is by 11% higher than last year. In 2008 the branch continued to develop the retail crediting business line. Over the year more than 16 thousands loans have been given with the total amount over 4,2 billion rubles which is by 67% higher than the last year results. As of Jan. 1st 2009 the corporate deposit portfolio amounts to more than 2 billion rubles, while the retail deposit portfolio amounts to 6,3 billion rubles.

Net income of Novorossiysk branch for 2008 increased in 2,7 times and equaled to 19,3 mln rubles. Revenue from crediting (including bills of credit) for 2008 amounted to 55 million rubles which is by 68% higher than last year. The assets of the branch as of Jan. 1st 2009 increased in 3 times and reached 247 million rubles. The increase of consume deposits over 2008 amounted to 21,4 mln rubles with the total volume of 161,7 mln rubles.