General Information about the Bank

GENERAL INFORMATION ON

Commercial Fuel and Energy Interregional Bank

for Reconstruction and Development (open joint stock company) – TEMBR-BANK

TEMBR-BANK was incorporated on March 28, 1994 as a limited partnership in fuel and energy field of economy. Since February 21, 2000 the Bank has been acting as an open joint-stock company. Main state registration number (MSRN) 1027739282581.

The Bank activity monitoring is being implemented by Department 2 of Moscow Head Administrative Board of the Central Bank of the Russian Federation (CBR). The bank was included in the register of bank-participants in state deposit insurance system on September1^st, 2005, under № 875.

The Bank has a General License to conduct banking operations number 2764, issued by the CBR and the following licenses of a professional participant of securities market for:

• securities management;
• brokerage activity;
• dealer activity;
• depositary activity.

The Bank is a member and participant of:

• S.W.I.F.T.
• Russian National Association of S.W.I.F.T.
• Moscow Interbank Currency Exchange (MICEX)
• Securities section of MICEX
• Diners Club International
• Association of Russian Banks (ARB)
• System of International Money Transfers Western Union;
• International Payment System VISA International;
• Register of Federal Custom Service.

The main shareholders of TEMBR BANK (OJSC) are individuals, and also Corporation Integral Electric Power Complex, Non-State Retirement Fund of Electric Power Engineering, Main Computer Center of Power Industry (OJSC), "EnergoPromSystem" Ltd., "Complex Development and Energy Technologies" Ltd., "Burovvik" Ltd., "Service Yurenergo" Ltd. “Khilandar” Ltd. TEMBR BANK is among midsize Russian banks in terms of scope and scale, albeit holding a stable position in Russian banking.

The financial reports of TEMBR BANK as of July 1^st, 2010 state:

The total assets - 8,482 bil. RUR (equivalent to 222,1 mil.EURO, 271,9 mil.USD);

Equity – 1 232 mil. RUR (equivalent to 32,3 mil.EURO, 39,5 mil.USD);

Profit before taxation for the period of 6 months of 2010 – 165 mil. RUR (equivalent to 4,3 mil.EURO, 5,3 mil.USD).

As of April 1^st, 2010 “RosBusinessConsulting” information agency among more than 1030 credit institutions positioned the Bank:

in the 222^nd place by the size of net assets;

in the 215^th place by the size of liquid assets;

in the 175^th place by the size of credit portfolio;

in the 156^th place by the size of retail deposits;

in the 95^th place by the size of accumulated profit within 3 months of 2010.

As per economic standards set by the CBR TEMBR-BANK is placed among banks with trouble-free background.

On February17^th, 2009 “National Rating Agency” classified the Bank as “A-” (high creditworthiness, third level). On March 2^nd , 2010 “National Rating Agency” confirmed “A” rating of TEMBR-BANK, outlook “positive”.

The core activities of TEMBR BANK embrace crediting, payments settlement in retail and for legal entities, small and midsize enterprises (SME) included. TEMBR-BANK is a universal financial and credit institution with modern banking technologies, diversified clientele, a wide range of services, and a balanced development in three main areas: retail, corporate, and investment banking. TEMBR-BANK is a versatile client-oriented bank that offers a variety of products and services to meet the clients’(residents and non-residents) specific financial needs: money market accounts, ATM, direct deposit, checking and saving accounts, vehicle loans, real estate loans, loan agreements, VISA, Diners Club, exchange, safe lease, etc. The Bank services enterprises of mechanical engineering, fuel and energy complex, chemical and food-processing industries, transport, and construction. Today, the number of TEMBR-BANK clients – individuals- has exceeded 26 thousand. 19 thousand of them hold Bank-emitted cards.

The Bank is actively working in regional financial markets, purposefully developing branch and affiliate network. TEMBR-BANK has domestic branch offices in the city of Blagoveschensk (Far East), in the town of Vladimir (not far from Moscow), in the city of Kaliningrad (North West), and a number of affiliate offices in Moscow, Moscow region and Amur region. The Bank implements focused strategy-driven development approved by the Board of Directors, one of its main objectives being regional expansion and concentration in major client economic centers.

Being in the Russian market throughout more than 15 years the Bank has been pursuing a weighty, transparent, and proactive policy with an accent on effective management of clients’ funds to preserve them and to obtain optimum profitability at low risks. Since the day of its incorporation the Bank has focused on consistency in implementing strategy and commitment to diversification and change, reliability of its operation mechanisms and confidence in obtaining the end results while making the decisions, timely and full-scale fulfillment of responsibilities, reasonable conservatism and adaptability to changing conditions, loyalty to Bank’s corporate values. At the time of global financial turmoil our Bank once again proves its stable financial position being at a sufficient liquidity level and following all the required regulations of the CBR.

There’s been developed and is under way a system of monitoring, assessment and management of banking risks which is tailored to the regulations of the CBR, and is in complete compliance with TEMBR-BANK Charter, other internal working papers, has a consistent methodology background, and corresponds to scope & scale of the Bank.

With highly professional and initiative employees, who are able to operatively make competent decisions, and capable of working as a team, the Bank is particular about their timely internal training and upgrading their professional level.

All the above allow the Bank to plan client and product diversification, increasingly toward retail and SME banking, further expansion, launching of new banking technologies, and optimization of control and management systems. Today TEMBR- BANK is a reliable financial institution, which economic indicators show high stability and substantial potential.