The Financial Group "IFD Kapital" includes the following companies:

• Bank "Petrocommerce"
  OJSC "Bank "Petrocommerce"
  CJSC "Petrocommerce Invest Consulting"
  CJSC "Bank "Petrocommerce-Ukraine"
  OJSC "Komi Regional Bank "Uhtabank"
  OJSC "Joint-Stock Investment Commercial Industrial Constructional Bank "Stavropolje"
  Banca Comerciala "Unibank" S.A (Moldova).
  
  
• Investment Group "Kapital"
  Asset Management Company "Kapital"
  Investment Company "Kapital"
  
  
• Insurance Group "Kapital"
  Kapital Insurance
  Kapital Reinsurance
  Kapital Medical Insurance
  Kapital Life Insurance
  
  
• Management Company "Pensionniy Kapital" ("Pension Capital)
  NSPF "Pensionniy Kapital" ("Pension Capital")
  NSPF "LUKOIL-GARANT",
  NSPF "Perviy pensionniy fond" ("First pension fund")
  NSPF "Kubanskiy pensionniy fond" ("Kuban pension Fund")
  
  
• "Kapital PIF" AMC
  
  
• Financial Group "IFD Kapital" (Ukraine)
  LLC "IFD Kapital" (Ukraine)
  NPO ONSPF "IFD Kapital" (Ukraine)
  LLC "IFD Kapital Pension Funds Manager" (Ukraine)
  LLC AMC "Kapital" (Ukraine)

Bank "Petrocommerce" is the versatile financial institution which provides legal entities and individuals with a full range of banking services. Being one of the largest financial-credit establishments in the country, the Bank is included in the top 15 Russian banks and takes strong stands in its basic results of activity.

"Petrocommerce" has 19 branches in the territory of Russia. Bank "Petrocommerce" is the center of the bank group consisting of 4 affiliated banks. These are OJSC "Komi regional bank "Uhtabank", OJSC "Joint-Stock Investment Commercial Industrial Constructional Bank "Stavropolje", CJSC "Bank Petrocommerce-Ukraine (4 branches in Ukraine) and Banca Comerciala "Unibank" S.A (5 branches in Moldova).

Investment Group "Kapital" is one of the progressive investment groups in Russia. It offers a wide spectrum of investment products to the companies and private persons and helps them to work in all capital markets.
Asset Management company "Kapital" is a part of into the Investment group "Kapital" and takes the highest place in the ratings of reliability in NAUFOR (ААА-mark) and in a rating agency "Expert RА" (A++ mark). In 2003 the company was a leader among non-state management companies by the number of pension savings accounts transferred from Pension Fund of the Russian Federation. Now it operates pension reserves (31 NSPFs) and insurance reserves (25 insurance companies).
Investment group "Kapital" renders investment-banking services and brokerage services. It takes the highest place in the ratings of reliability in NAUFOR (ААА-mark).

Insurance Group "Kapital" is a recognized leader in the Russian insurance market. It is a versatile insurer and it offers all types of insurance services.
OJSC "Kapital Strahovanie" ("Insurance Company "Kapital") and CJSC "Kapital Re" are included in the top 10 Russian insurance companies by merit its amount of assets and own capital. It takes the highest places in the ratings of reliability in a rating agency "Expert RА" (A++-mark). CJSC "Kapital Meditsinskoe Strahovanie" ("Medical insurance "Kapital") is one of the leading insurers in a segment of obligatory medical insurance. Its total number of the insured in the territory of Russia is over 8 million people.

The company-manager of non-state pension funds "Pensionniy Kapital" manages a non-profit organization "NSPF "LUKOIL-GARANT", a non-profit organization "Perviy pensionniy fond" ("First pension fund"), and a NSPF "Kubanskiy pensionniy fond" ("Kuban Pension Fund"). The total amount of assets of NSPFs managed by "Pensionniy Kapital" is about $800 million.

"LUKOYL-GARANT" is one of the largest non-state pension funds of Russia. "Pensionniy Kapital" is among the leaders of unincorporated funds.

LLC "Asset Management Company Kapital Mutual Funds" (AMC "Kapital PIF") was established in April 2004 by the Financial Group " IFD Kapital". One of main business activities of the company is closed-end real estate mutual funds.

The Financial Group "IFD Kapital" (Ukraine) was established in 2003. A strategic objective of "IFD Kapital" in Ukraine is the formation of a powerful integrated Financial Group which renders a wide spectrum of financial services to their clients.

Ratings and Rankings

• The Financial Group "IFD Kapital" is the largest non-state financial holding company (according to the Rating agency "Expert", October, 2006)
• It is recognized as a "Key financial company" (RА "Expert", October, 2006)
• It takes the 38th place in a rating of the largest companies of Russia on the results of off-loaded production (sale proceeds) in 2005 (according to RA's version, October, 2006).
• It stands at the 36th place by the sale proceeds in 2005 among all Russian companies (according to the version of the rating "Finance-500", September, 2006)
• It holds the 3rd place on the results of profitability (rating "Finance-500", September, 2006)
• It takes the 9th place by its net profit (rating "Finance-500", September, 2006)
• It stands at 11th place by its developing dynamics (rating Finance-500, September, 2006)

Sponsorship

To promote its own brand, the Financial Group "IFD-Kapital" sponsors several projects. These are:

Social projects

Culture is the fragile link between the past and the future. This tie is in our hands. We should carry out and support popularization of the cultural heritage of our country. It helps to preserve and hand down the Russian national heritage to future generations.

To this end, "IFD Kapital" helps to carry out a social-informational program in order to popularize the cultural heritage of Russia .

"IFD Kapital" and NSPF "LUKOYL-GARANT" are the partners of a Fund called "Narodnaya initsiativa" ("National initiative") under the Informational program of support of motherhood, childhood and families .

Contacts

Holding Company "IFD Kapital"
6 Krasnopresnrnskaya naberezhnaya, Moscow, Russia 123100
phone: + 7 (495) 411-52-00
fax: + 7 (495) 411-63-61