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Vneshtorgbank opens a branch in Kaluga

28 September 2004

Today in the city of Kaluga, at 20 Dostoevsky Street, a new branch of Vneshtorgbank opened. It offers clients a full range of modern banking services for legal persons and private individuals, including 24 hour ATM access.

The opening of the branch in Kaluga is the next step in realising the "Vneshtorgbank Concept for the Development of the Regional Network", which was stated by the bank`s Supervisory Council in February 2004.

As part of this concept Vneshtorgbank is planning to open a further seven branches this year. Today the network of branches totals 46, with a further 88 offices and cash desks in many towns and cities of Russia. VTB also has 35 subdivisions in Moscow and the Moscow Region.

The development of the network of Vneshtorgbank`s operations promotes the increase of the effectiveness of VTB`s operations, the widening of its geographical base of activities, attracting new clients and increasing the accessibility of retail services for more people in accordance with Vneshtorgbank`s Development Strategy.

According to statistics from the first eight months of this year, the approximate volume of finances attracted by Vneshtorgbank totalled 43 billion RUR; a rise of more than 60% since the beginning of the year. As of 1 September 2004 Vneshtorgbank has issued 530,000 international banking cards; the volume of consolidated balance on the bank card accounts has exceeded 4 billion RUR. Vneshtorgbank`s service network for international cards was increased to 3000 points, or 57%, and currently includes 720 ATMs and more than 2000 business and service organisations which use Vneshtorgbank bank cards.

The successful development of services in demand by the public such as mortgage and consumer credit continues - Vneshtorgbank`s credit portfolio, in operations with private individuals has risen since the beginning of the year by almost three times to 70 million USD. This includes the volume of mortgage credit offered in accordance with Vneshtorgbank`s Programme for Housing Mortgage Credit, which began in Spring 2003 and has grown by 5 times.

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