MOSCOW INDUSTRIAL BANK2

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JSCB "Moscow Industrial bank" possesses a wide range of branches in the European part of Russia, in particular, in Moscow and the Moscow Region, St. Petersburg, North-West region, the Stavropol Area, Archangelsk, Astrakhan, Belgorod, Vladimir, Voronezh, Briansk, Orel, Yaroslavl, Rostov-on-Don, Volgograd region, Northern Ossetia, Ivanovo,Nizhniy Novgorod, Lipetsk, Saratov, Krasnodar,Kaluga. the Kabardin-Balkar and Karachaevo-Cherkessk Republics. In total the Bank has maintained 250 operational offices in 29 electoral districts of the Russian Federation.

Branches

Since 1994 JSCB “Moscow Industrial Bank” serves an "authorized” bank by the Government of the city of Moscow. Since 1997 JSCB "Moscow Industrial Bank" is privileged by the State Customs Committee of the Russian Federation to act as a guarantor before Russian customs authorities. For the time being, our Bank is a member of MICEX, Association of Russian banks, Association of Regional banks, Interbank Financial House, Obligatory Deposit Insurance System, etc. As well we participate in various programs organized by the World Bank and EBRD, such as Financial Institutions Development Program, Enterprises Support Program, etc. Traditionally, the Bank’s strategic lines of business

include funding to the real sector of the economy through a variety of financial

instruments, corporate and individual deposits, payments in Russia and abroad, currency

exchange operations and those in government and corporate securities,

bonds of the Bank of Russia and plastic card operations.

Russian rating agency «Expert RA” awarded for JSCB “Moscow Industrial bank” the rating “A”.

JSCB “Moscow Industrial Bank” has funds available from the Central Bank

The analysis of the basic indicators of the reporting under the International standards

85,0

103,3

Total Assets(billion rubles)

01.10.2009 01.10.2010

442,6

462,1

Net profit (million rubles)

01.10.2009 01.10.2010

9,29,4

Capital (billion rubles)

01.10.2009 01.10.2010

3,2

3,4

Net interest income (billion rubles)

01.10.2009 01.10.2010

Structure of loan portfolio

22%

20%

18%

12%

10%

6%

1%1%

4%1%

1%4%

Trading enterprises Real estate construction Manufacturing

Finance and leasing companies Agriculture and food processing Local authorities

Individuals Tourist services Transport

Shipping industry Telecommunication Other

15,01%

6,34%

2,88%

61,36%

11,20%

Cash and cash equivalents Trading securities

Loans to customers Securities pledged under repurchase agreements

Property and equipment

Basic elements of asset structure

Full Name: Joint Stock Commercial Bank Moscow Industrial Bank (Open Joint-Stock Company) Short Name: MInB OAO

Head Office’s address: 115419 Moscow, Russia, 5 Ordzhonikidze Ul. Telephone:7(495)2326524 Fax: 7(495)2321392 E-mail: corr@minbank.ru Telex: 113344 PANK RU SWIFT: MINN RU MM Internet: www.minbank.ru

Correspondent Account: 30101810300000000600 with OPERU of Moscow GTU of the Bank of Russia BIC: 044525600 IIN: 7725039953 KPP: 997950001 ОКVED Code: 65.12 ОКPО Code: 09317135

Reference information