Nationwide Presence




• Retailer chains in the largest cities are key priority
• Agent-based distribution is supposed to support growth when retailers` networks become saturated
• Expansion into smaller towns has been launched and currently is “no competition” growth vector
• Internet-banking, Call-centre, Direct mailing and Info kiosks to start functioning also as sales channels

The chain consists of as of 31.12.2007

Branches	27
Branches to launch till Jan’08	436
POS outlets	3,022
Agencies	1,655
Total POS and Agencies	5,140 and Head Office

Network expansion and projections as of 31.12.2007