Our history

Personal bank for corporate and private clients, providing financial services throughout Russia.

We work in true partnership with customers, and our relationships are built on the principles of responsiveness, humanity and reliability. "Vozrozhdenie" - is a bank that you can rely on in both good and bad times.

  • 1 200 000Clients
  • 116Offices
  • 750ATMs

History of bank
  • 2017

    Cooperation agreements were signed with the Administrations of 8 districts and 7 cities of Moscow Region. Under the terms of the Agreements Vozrozhdenie Bank will render assistance in the implementation of crucial social and economic tasks, establishment of favorable conditions for SME development and participation in investment projects.

    Cooperation agreements were signed with the Administrations of Kaliningrad Region and Rostov Region, and Karelia Republic. The agreements provide for the partnership between the bank and the administrations in the implementation of high-priority business projects, expansion of the range of products and services with consideration of local regulations, support for local economic mainstays, and cooperation in significant cultural projects.

    Vozrozhdenie Bank won an open tender from the Construction Ministry of Moscow Region for the participation in 2017-2020 Sub-Program “Housing for Young Families”.

    Bank Vozrozhdenie completed the 5th mortgage securitization deal and placed mortgage-backed bonds totaling to Rub 4.1 billion via public offering. Successful implementation of the deal was acknowledged by the Cbonds Awards-2017 for the Best Primary Securitization Bond Deal. Award ceremony took place in Saint Petersburg during the XV Russian Bond Congress.

    As a result of cooperation with Multiservice Center the Bank launched a new project: branches of Multiservice Center were opened at the Bank’s offices in Voronezh, Mineralnye Vody, Balashikha, Zheleznodorozhny, and Naro-Fominsk. The Bank expects this project will help join efforts in meeting current social and economic aims of the region.

    Vozrozhdenie Bank received Financial Olympus 2017 National Award and the 2017 Financial Elite of Russia Award in Community Banking Category, and received a Gratitude Certificate from A.Y. Vorobyov, Governor of Moscow Region, for the contribution to the economic development of the region.

    Vozrozhdenie Bank was a co-organizer of the All-Russian Charity Event “Race of Good Deeds” to support children with a rare disease — epidermolysis bullosa. More than 4,500 people from 3 countries and 6 cities of Russia took participation in the event.

    Vozrozhdenie Bank won Euro STP Excellence Award 2016 for from VTB-Bank (Deutschland) AG.

    In February, 2017 Vozrozhdenie Bank created a VIP services division — Private Capital Management. Prime customers receive personal services, special terms for banking products and other privileges.

    In the beginning of 2017 Vozrozhdenie Bank was included in the list of banks eligible for the participation in agricultural lending approved by the Commission for Agribusiness Lending Coordination under the Ministry of Agriculture of the Russian Federation.

    Following the results of 2016 Vozrozhdenie Bank ranked in TOP 10 of the Highest Mortgage League based on the survey by Rusipoteka Analytical Center. In October, 2017 Vozrozhdenie Bank was awarded by RAEX Agency for the Contribution in the development of mortgages in the real estate primary market.

    As of 2016 year-end Vozrozhdenie Bank was 8th in issuing Mir cards according to a survey by Banki.ru information portal. In July the Bank issued a 50,000th Mir card.

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  • 2016

    Vozrozhdenie Bank celebrated its anniversary — 25 years of professional and fruitful work, blameless reputation and never-ending progress! Festive events for clients were held in all offices of the Bank. A special deposit “25 years of reliability” with a high interest rate was offered to the Bank’s clients.

    Cooperation agreements were signed with the Government of Moscow Region, Administration of Volgograd Region and the Head of Stavropol Region. The agreements provide for the active participation of the Bank in the crucial social and economic projects of the regions.

    Vozrozhdenie Bank joined the Moscow Region Government Program “Social Mortgage” for doctors, teachers, young scientists and distinct specialists. Also, the Bank resumed its participation in the Moscow Region Government Program “Housing for Young Families”.

    The Bank commenced to service cards of Mir National Payment System.

    Vozrozhdenie Bank was ranked among TOP 10 banks by the Russian Federation Ministry of Finance on mortgage loans granted at government-subsidized rates and 7th by RAEX Agency in terms of SME loans portfolio.

    The Fund of Small Business Credit Assistance of Moscow awarded Vozrozhdenie Bank for its active support to Moscow-based entrepreneurs.

    Vozrozhdenie Bank was a co-organizer of the All-Russian Charity Event “Race of Good Deeds” to support children with a rare disease — epidermolysis bullosa. More than 6,000 people from 6 cities of Russia took participation in the event.

    Vozrozhdenie Bank won the Financial Elite of Russia Award as the “Bank of the Year in Mortgage Lending”; the XII Annual International Award “Banking Business” as “the Best Bank of a Region”; and the National Banking Award for the “Contribution to the Region’s Economy Development”.

    Moody’s Investors Service affirmed the long-term local and foreign-currency deposit ratings of Vozrozhdenie Bank at B1 and changed the outlook for these ratings from Negative to Stable.

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  • 2015

    In February Moody’s Investors Service downgraded Vozrozhdenie Bank long-term debt and global local- and foreign-currency deposit ratings to B1, national scale rating — to A1.ru, bank financial strength rating — to E+ in response to drastic deterioration of operating environment. The ratings outlook was stable.

  • 2014

    Mr. Dmitry Orlov, Chairman of Vozrozhdenie Bank Board of Directors, was recognized as the Best Banking Chairman of the Board, Russia 2014 by Global Banking & Finance Review information portal. Also, in February Vozrozhdenie Bank won the Global Banking & Finance Review Award as the Best SME Bank, Russia 2014.

    Vozrozhdenie Bank successfully completed the 3rd mortgage securitization deal and placed mortgage-backed bonds under Agency for Housing Mortgage Lending (AHML) program on mortgage-backed bonds purchase. Two tranches (“A” and “B”) totaling to Rub 3.45 billion were sold in the course of the deal. Tranche A of Rub 3 billion was placed via public offering on the MICEX while tranche B bonds was acquired via closed subscription by Vozrozhdenie Bank for Rub 0.45 billion.

    Standard & Poor’s affirmed long- and short-term global scale credit ratings of Vozrozhdenie Bank at ВВ-/В, and the Russia national-scale rating — at ‘ruAA-’, the outlook was changed to Negative.

    Vozrozhdenie Bank ordinary shares were included in Level 1 (Highest) Quotation List of MICEX Stock Exchange.

    Vozrozhdenie Bank won a tender for the participation in Social Mortgage sub-program of the Moscow Region State Program for Public Housing.

    OJSC Agency for Credit Guarantees and Vozrozhdenie Bank signed an agreement on cooperation to improve SME lending terms.

    Vozrozhdenie Bank and the European Bank for Reconstruction and Development launched an SME lending development program. Loan products “Express”, “Turnover” and “Invest” for SME businesses were developed under this program.

    Vozrozhdenie Bank signed a Master Agreement with the Moscow Region Ministry of Finance for term deposits with the bank’s accounts.

    Vozrozhdenie Bank launched a mobile application for cash collection aimed at trade and service businesses in Moscow Region facilitating cash-in-transit services and simplifying communications between the bank and clients.

    Moody’s Investors Service affirmed Vozrozhdenie Bank’s long-term debt and global local- and foreign-currency deposit ratings at Ba3/NP. The bank’s standalone bank financial strength rating was affirmed at D-; and the national scale rating — at Aa3.ru. Due to deterioration in the bank’s operating environment, the outlook was changed to Negative for all the ratings.

    Standard & Poor’s Ratings Services affirmed the long- and short-term credit ratings of Vozrozhdenie Bank at BB-/B on the global scale and ruAA- on the Russian national scale, with the Negative outlook.

    SME Bank and Vozrozhdenie Bank implemented the first transaction with joint product SME Syndicate. First syndicated loan in the amount of Rub 60 million was provided to Victoria LLC (Rostov-on-Don) for 7 years.
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  • 2013

    Financial and operating results

    Net income totaled RUB 1.5 billion and ROE reached 7.0%

    Assets increased to RUB 211 billion

    Corporate loan portfolio amounted to RUB 125.6 billion, up 9.3% year-over-year. The share of small and medium-sized businesses (SMEs) in it rose to 64.3%

    Retail loan portfolio grew by 22.8% and reached RUB 42.6 billion Mortgages exceeded RUB 29.5 billion, up 25% year-on-year

    Customer funds totaled RUB 161.5 billion. The share of retail deposits was 54%

    Credit turnover on bank card accounts elevated by 11.4% to RUB 186 billion

    Key events

    RUB 4 billion of mortgages is securitized

    The last tranche of subordinated deposit is raised to strengthen capital, total volume of financing stood at RUB 3 billion

    Strengthening market positions

    Vozrozhdenie Bank features among Top-100 public companies compiled by “Expert RA” agency

    Vozrozhdenie Bank featured in a rating of the World’s Top-1,000 banks compiled by authoritative British magazine The Banker, taking 790th place

    Standard & Poor’s Ratings Services affirmed long-term and short-term credit ratings of Vozrozhdenie Bank at ‘BB-/B’ on the international scale and ‘ruAA-‘ on the national scale. The rating outlook remained ‘stable’

    Professional recognition

    The World Finance Magazine declared Vozrozhdenie Bank the winner for ‘Best Corporate Governance, Russia’

    Rating agency Moody`s Investors Service upgraded the credit rating of tranche A mortgage-backed bonds issued by MAV-2 to “Baa2”

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  • 2012

    Financial and operating results

    Net income rose by 50% to RUB 2.3 billion and ROE reached 11.9%

    Assets increased by 13.7% to RUB 209.1 billion

    Corporate loan portfolio expanded by 9.3% to RUB 123.5 billion. The share of small and medium-sized businesses (SMEs) in it climbed to 62.5%

    Retail loan portfolio expanded by 34.8% to RUB 32.9 billion

    Mortgages exceeded RUB 22.3 billion, up 45% year-on-year

    Customer funds rose by 12.9% to RUB 163.9 billion. The share of retail deposits was 49.4%.

    Credit turnover on bank card accounts grew by 11.4% to RUB 186 billion

    Key events

    Dmitry Orlov is elected as Chairman of the Board of Directors

    Alexander Dolgopolov is appointed as Chairman of the Management Board

    Two new management positions are created, Operations Director and IT Director, as part of the operating model optimization project

    RUB 4.3 billion of mortgages is securitized

    RUB 2 billion of subordinated deposits is raised to strengthen capital

    Strengthening market positions

    Vozrozhdenie Bank features in a rating of the world’s top 1,000 banks compiled by authoritative British magazine The Banker

    Vozrozhdenie Bank features in a rating of the world’s 500 most valuable banking brands by Brand Finance

    Professional recognition

    In March 2013, the Bank wins the “Best Corporate Governance, Russia” award from British magazine World Finance

    The Bank wins the “Best IR Management in Russia” award for 2012 from Global Banking & Finance Review

    The Bank is presented with the “STP Award 2011. Excellent Quality” by Commerzbank AG for the high quality of its international settlement service

    Lyudmila Goncharova, Deputy Chairwoman of the Management Board, features in the “Top 50 Corporate Bankers” rating by magazine Profile

    Andrey Shalimov, Deputy Chairman of the Management Board, wins the “Best Investor Relations by CFO, Small Cap” award from IR magazine Russia & CIS

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  • 2011

    Financial and operating results

    Net income rose by 170% to RUB 1.594 billion and ROE was up to 9.1%

    Assets increased by 10.7% to RUB 183.9 billion

    Corporate loan portfolio expanded by 14.6% to RUB 113 billion. The share of small and medium-sized businesses (SMEs) in it climbed to 62%

    Retail loan portfolio expanded by 46.7% to RUB 24.4 billion

    Mortgages exceeded RUB 15 billion, up 57% year-on-year

    Deposits rose by 11.4% to RUB 145.1 billion. The share of retail deposits was 63.6%

    Turnover on bank card accounts increased by 11% to RUB 167 billion

    Strengthening market positions

    International rating agency Standard & Poor’s upgraded the Bank’s ratings to ‘BB-’ on the international scale and ‘ruAA-’ on the national scale, the outlook ‘stable’

    In a rating of the World’s Top-500 banking brands, Brand Finance valued Vozrozhdenie Bank brand at US$168 million

    Vozrozhdenie Bank again featured in a rating of the World’s Top-1,000 banks compiled by authoritative British magazine The Banker

    The Bank expanded its geographic presence by opening a branch in Voronezh

    Professional recognition

    Dmitry Orlov was named as one of the Top-10 senior managers in the commercial banking sector in the Top 1,000 Russian Managers rating compiled by the Association of Managers

    The Bank won its second award for “Best Financial Institution Providing Customs Services” in the Customs Olympus competition for leaders in foreign economic activity

    Vozrozhdenie Bank won the “Deal of the Year — Export” award of the European Bank for Reconstruction and Development (EBRD)’s for its Trade Facilitation Program

    The Bank won Finance magazine’s 2011 award “For Longstanding Adherence to a Policy of Independence from Politics”

    In a competition organized by Thomson Reuters Extel and IR Magazine, Vozrozhdenie Bank investor relations division was again recognized as one of the best in Russia and the CIS, taking second place in the Grand Prix for the best service for investors of small-cap companies

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  • 2010

    In 2010, Vozrozhdenie Bank was named Bank of the Year by The Banker magazine. This prestigious professional award is given to leading banks from 140 countries each year.

    In the reporting period, ratings agency Standard & Poor’s changed the outlook on Vozrozhdenie Bank’s long-term counterparty credit rating to ‘positive’ from ‘stable’. The international-scale rating was affirmed at ‘B+’ and the local-scale rating at ‘ruA+’ with a ‘positive’ outlook. The bank’s short-term credit rating was affirmed at ‘B’.

    Vozrozhdenie Bank was a prize-winner at the annual Customs Olympus 2010 in the category for best financial institution offering services in the customs field.

    Vozrozhdenie Bank received an award at the third annual public awards Financial Pearls of Russia 2010 in the category of ‘Best Financial Services for the Population’.

    Vozrozhdenie Bank recorded net income for 2010 of RUB581 million.

    The loan portfolio increased by 22.1% to RUB104 billion.

    Deposit volumes increased by 14.6% to RUB85.3 billion, while the share of retail deposits increased to 65.4%

    In 2010, the Bank issued 250,000 new debit cards. In total, 1.4 million people have cards issued by the Bank. The number of Visa cards issued by the Bank reached 1.1 million.

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  • 2009

    Vozrozhdenie Bank managed to achieve net profit of RUB 1,217 mln and maintain high level of capital adequacy (19%).

    Loan portfolio before provisions totaled RUB 94.6 bln. Corporate lending programs accounted for 85.1% of the loan book with 50.8% share of total loans issued to the small and medium enterprises.

    Loan loss provisions in 2009 accounted for 5.0% of average loan book which is RUB 4.8 billion. Coverage of non-performing loans by provisions was maintained at the above 100% level.

    Customer accounts increased by 25% to RUB 113 bln while individual deposits rose by 32.3% to RUB 68.6 bln.

    Vozrozhdenie Bank issued 225 thousand new debit cards and total number of cardholders (including holders of credit cards) reached 1.35 million. A new ATM deposit was introduced, which can be opened via any Vozrozhdenie Bank ATM.

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  • 2008

    Assets of Vozrozhdenie Bank grew by 27%.
    The Bank maintained its funding base with 11% customer accounts increase.
    Non-interest income increased by 35%, number of transactions on client’s accounts — by 30%.
    Number of clients reached 55 thousand enterprises in corporate segment and 1.35 million individual customers in retail one.

  • 2007

    Vozrozhdenie Bank was awarded by Itogi magazine as “The best mid—cap domestic bank”.
    Vozrozhdenie Bank was awarded with National Banking prize as the “Company of the year”
    Vozrozhdenie Bank issued its millionth bank card.
    Vozrozhdenie Bank issued 3 million common shares raising $177 million.

  • 2006

    15 year!
    Network of 138 offices, over 400 ATMs serves more than 900 000 clients.

  • 2005

    Bank a top 3 participant in Government Housing Finance program, 9th largest issuer of retail mortgages.
    Rated by Standard & Poor’s as most transparent bank in Russia.

  • 2004

    Vozrozhdenie,10th largest bank in terms of individual deposit, accepted info Deposit Insurance Program.

  • 2003

    Vozrozhdenie has third largest branch network and is among 200 largest Russian companies.

  • 2002

    ATM network largest in Moscow Oblast, 100 000th VISA card issued.

  • 2001

    10 year!
    Vozrozhdenie among 20 largest banks in terms of corporate credit portfolio.

  • 2000

    14th equity issue triples capital.
    CIBC becomes a shareholder.
    Europay International certifies processing center.

  • 1999

    Central bank evaluates Vozrozhdenie as a stable bank.

  • 1998

    Bank creates ATM network and establishes own processing center.

  • 1997

    Vozrozhdenie’s shares trade in international markets as ADRs.

  • 1996

    Recognized as a socially valuable credit organization and joins world bank development programs.

  • 1995

    Joins VISA International as associate member.

  • 1994

    Vozrozhdenie joins S.W.I.F.T.
    Correspondent banking network established with western banks.

  • 1993

    Further development of the branch network.
    One of the largest in Russia cash collection and delivery service established.

  • 1992

    Vozrozhdenie receives foreign exchange license from the Central bank, joins Moscow Interbank Currency Exchange.
    Shares listed on RTS.

  • 1991

    Foundation of Vozrozhdenie bank.
    Centrel bank registered Vozrozhdenie bank with 34 branches in Moscow Oblast and Moscow City.

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