Contents General information History 3 Shareholder structure
& affiliates4 Corporate governance 5 Positioning 6 Bank today
Regional network 7 Our clients 8 International cooperation 9
Payment services & plastic cards 10 Risk management 11
Financial Indicators Key highlights 12 Revenues, expenses, profit
13 Liquidity 14 Capital 15 Assets 16 Liabilities 19 Contacts 22
2
Slide 3
History 1991 On 15 May the National Bank of the Republic of
Belarus registered Commercial Bank Poisk 1992 The bank changed its
legal status and was registered as Joint Stock Commercial Bank
Poisk 1994 The bank became a member of SWIFT communication system
2000 Joint Stock Commercial Bank Poisk was renamed to OJSC Bank
Poisk 2004 The bank received its current name OJSC Paritetbank 2005
Paritetbank joined Reuters system 2006 Paritetbank joined VISA
International payment system 2007 Internet banking system for
individuals was introduced 2008 For the first time financial
statements of the bank were prepared and audited in accordance with
International Financial Reporting Standards Paritetbank was one of
the first bank to join local Unified Settlement and Information
Space (USIS) payment system Paritetbank in cooperation with MTS and
BeSmart companies introduced iPay e-cash payment system 2009
Paritetbank joined national plastic card system BelCard The bank
established and started to expand its payment terminal network
Banking holding was created comprising LLC Investment Company
Paritet and CJSC Mobile Payment 2010 Mandate letter between
Paritetbank, the National Bank of the Republic of Belarus and EBRD
was signed. The bank moved to its new head office located at 61A
Kiseleva str., Minsk. Paritetbank received a status of a principal
member of the VISA International payment system 2011 Paritetbank
celebrated its 20th anniversary in the financial services market
Paritetbank tapped international capital marked and attracted a
syndicated loan facility with a 1-year maturity. 3
Slide 4
Shareholder structure & affiliates As at 1 January, 2012
the major shareholder of the bank is the National Bank of the
Republic of Belarus with 99,36% Other shareholders: 200 corporates
with 0,41%; 2367 individuals with 0,23%. In 2009 OJSC Paritetbank
took part in establishment of LLC Investment company Paritet with
50% of the shareholders capital of the company. The major activity
of the company is financial leasing of: cars; special vehicles;
real estate; office equipment. Contacts: 220024, Republic of
Belarus Minsk, Kizhevatova str., building 2 Tel/fax: +375 17 201 94
44 Mobile: + 375 44 755 50 00 e-mail: [email protected][email protected] www.paritetinvest.by
4
Slide 5
Corporate governance Management Board Chairman of the Board
Gorozhankin Vladislav Nikolaevich (+375 17) 283 26 11 Deputy
Chairman of the Management Board Pankevich Dmitry Anatolievich (+
375 17) 237 76 85 Deputy Chairman of the Management Board Slesarev
Sergey Mikhailovich (+375 17) 237 76 85 Director of Corporate
Business Department Poskrobka Sergey Vasilievich (+375 17) 237 76
89 Chief Accountant Head of Department of Accounting and Reporting
Abramenko Marina Mikhailovna (+375 17) 237 76 85 Head of Economic
Planning Management Losiakova Galina Ivanovna (+375 17) 237 76 88
5
Slide 6
Positioning The position of OJSC Paritetbank in the banking
system According to latest estimates value of the OJSC Paritetbank
is about $ 40 mln. 6
Slide 7
Regional network Paritetbank is present in all major cities of
Belarus. The sales network consists of 20 outlets, 6 of which are
located in Minsk. 7
Slide 8
Our clients Paritetbank delivers a wide range of banking
services based on the best practices to both corporate and
individual clients. We offer our customers present up-to-date
technologies and tailor-made solutions. In the past years
Paritetbank customer base increased substantially and as of January
2013 the number of its corporate clients exceeded 4,1 thousands.
Our major clients: Naftan Minsktrans Vitebsk Oil Extraction Plant
Bobruisk plant of tractor parts and units Beleximgarant
Belprofsoyuzkurort BiznesStroyMir Urspectr Vitebskagroprodukt
LIPLAST SPb Condor Premiertorg Gomelagrocomplect Avicenna 8 3,6
33,33,3 3,8 4,1
Slide 9
International cooperation Paritetbank enjoys a developed
correspondent network which covers some of the major banks. Our
team addresses our clients needs and offers competitive and
tailor-made trade finance products: Export and Import Letters of
Credits Guarantees 9
Slide 10
Payment services and plastic cards Bank plastic cards JSC
Paritetbank has been a Visa International Associate Member since
2005. In 2011 the bank began to settle with the payment system
independently as a Principal Member. In 2009 JSC Paritetbank became
a member of the local payment system BelKart. The bank provides
issuing and acquiring of BelKart magnetic-stripe cards (BelKart-M)
in ATMs, cash advance outlets, unattended payment terminals and POS
terminals. The customers are offered the following card products:
Debit cards: BelKart-M local payment cards intended for use within
the Republic of Belarus; VISA Electron VISA Electron Instant VISA
Classic VISA Gold VISA Virtuon Multi-account VISA Electron, VISA
Electron Instant, VISA Classic, VISA Gold cards Visa Business
commercial cards Credit cards: Visa Electron, Visa Electron Instant
with revolving and non-revolving credit limit JSC Paritetbank
cardholders are offered advanced distant banking channels and other
supplement services: ATM and unattended payment terminal network;
Internet Banking (including Direct debit service); Mobile Banking
(SMS Banking); SMS notification on card transactions; on-line
purchases of goods and services (e-commerce); overdraft facility;
transfer of deposit interest to a card account. JSC Paritetbank
terminal network for acceptance of payment cards includes 15 ATMs,
20 unattended payment terminals with Cash-In device, 43 terminals
in cash advance outlets, 23 payment terminals at points of service.
Banks ATMs and cash advance outlets provide cash advance for Visa
and BelKart cards issued by any banks. Payment cards issued by the
bank are accepted in the terminal network of any Visa or BelKart
member bank. 10
Slide 11
Risk management The risk management system of the Bank
predetermines the management strategy, procedures for detection,
evaluation (assessment), monitoring and control of varied risk
types. It is based on the regulatory requirements and
recommendations of the National Bank of the Republic of Belarus,
suggestions of Basel Committee on Banking Supervision. The Risk
Management System is based on the continuous process of risk
identification, analysis, assessment, optimization, monitoring and
control, further adequacy assessment regarding the applied risk
management methods. The risk management activity is carried out
using the system approach based on the principles of risk
awareness, delineation of the powers with regard to risk
initiation, evaluation and acceptance. Risk detecting is fulfilled
on a regular basis considering the dynamic change of external and
internal environment. General control of the risk management shall
be carried out by the Banks Management and the Supervisory Board.
Risk management strategy is based on observance of break-even
activity principles and directed to optimum relationship between
profitability of business directions of the banks activity and
level of assumed risks. The risk management strategy is aimed at
usage of the entire range of instruments available and methods of
risk decrease and restriction. A set of documents clearly
scheduling the processes and procedures for risk management was
developed in the bank: Credit; Market; Liquidity risk; Operational
and reputational. The Bank develops procedures and arrangements for
prevention and preclusion of stress situations, operation plan in
case of critical circumstances for continued operation of the bank
for the purpose of the threat avoidance in relation to realization
of outer and inner risk factors. The system of internal control in
the Bank includes the control of the prevention and suppression
activities related to the laundering of proceeds from crime and
terrorist financing, which minimizes the risks (operational,
credit, legal, risk of loss of goodwill) arising from the danger of
theft of the bank, the seizure of money and other property located
in the bank, or confiscation of bank funds and other property of
clients, which may lead to direct financial loss as a bank, and
indirect - loss of confidence by investors and customers, the
outflow funds of depositors and creditors, denial of interbank
resources to prosecute oversight, tax and law enforcement agencies.
11
Slide 12
Key highlights Despite a challenging market environment in the
economy of the Republic of Belarus during 2012 the bank retained
its profitability and enhanced it. Overview of key financials mln
BYR. 12
Liquidity Maintenance of a strong liquidity position is one the
priority tasks of the bank. A high share of liquid assets and
stable performance of the prudential ratios regulated by the
National Bank of the Republic of Belarus ensure financial stability
of the bank. 14
Slide 15
Capital structure 01.01.2013 bln. BYR Capital adequacy
Paritetbank supports adequate capitalization level significantly
above the prudential requirements of the National Bank of the
Republic of Belarus 15
Credit quality 18 01.07.201101.01.201201.07.2012 01.01.2013
Impaired assets to RWA, % no more than 8% 1.51.33.43.7 Impaired
loans to loans to customers, %0.10.91.20.5 Asset loss provision,
bln. BYR8.0611.7110.3512.79 Loan loss provision, bln.
BYR7.3811.179.7512.32
Slide 19
Liabilities 19
Slide 20
Current accounts Current accounts balances, bln BYR 20 1170
3269 3501 3719 4024 1413 1493 1698 1813 2943