JSC VTB Bank and its subsidiaries (VTB Group or the Group) is a leading Russian banking group, offering a wide range of banking services and products across Russia, certain CIS countries and in selected countries of Western Europe, Asia and Africa.

The Group’s business franchise is in the areas of corporate, retail and investment banking. In corporate banking, the Group provides a broad range of commercial banking services and products, including corporate lending, foreign trade transactions, syndicated loans, deposit and settlement services, as well as custody services, leasing and treasury services to large and medium-sized corporations and financial institutions. In retail banking, VTB offers financial services, including deposit accounts, lending and certain ancillary services, to individuals and small-sized corporations. In investment banking, it provides debt capital markets underwriting, project financing, merger and acquisition financing, advisory services, asset management and venture funds.

Today, outside of Russia, the Group operates through five subsidiary banks located in the CIS (Armenia, Ukraine, Belarus, Azerbaijan and Kazakhstan), a subsidiary bank in Georgia, five banks located in Europe (Austria, Germany, France, the UK and Cyprus), one subsidiary bank and one financial company in Africa (Angola and Namibia, respectively), and an associated bank in Vietnam. VTB also has a presence in Singapore and the UAE through the branches of its UK subsidiary, as well as branches in India and China.