FORUS Bank

The Regional Microfinance Bank in Russia

Dynamic Development

Mission

To provide a range of high quality banking services for micro and small businesses;

To be accessible for small businesses in the regions, reaching beyond the oblast centers;

To enable disenfranchised micro entrepreneurs to: Develop their businesses Create jobs Improve their economic, social and spiritual

well-being

FORUS Bank Yr 1 Achievements

17,000 Loan clients and 8,500 settlement accounts as of 30 Sept

39 Offices 26 Regions of the Russian Federation 1 million USD profit for first year of

operation 2,000+ loans disbursed in Aug 2006 3000 USD average loan 15 million USD in capital (end of 2006)

Member of the Opportunity International Global Network

Largest global microfinance Network, operating in 30 countries with 35 year history

Innovative products and services for micro entrepreneurs

810,000 clients

204% growth in outreach over the last three years

Equity of $110 million

Longevity and Quality in Russian Microfinance

1994 Opportunity pioneers microfinance in Russia

2000 Fund FORA created

2005 FORA Financed 15,807 clients with 18,138 Loans in 22 regions

Portfolio quality during 5 yrs no more than 0.9% over 30 days

August 2005 FORUS Bank launched

Financing from IFC and EBRD

AA- Rating by Microfinancza Rating Agency

BDO Unicon annual IAS auditors

Vast and Growing Regional Network in Russia

- existing

- 2006

- 2007-2008

FORUS Bank operates in areas where there

are 20,000 people

for each bank office!

Profitable Business,Financing Growth

0,0

0,5

1,0

1,5

2,0

mil

lion U

S $

2004 2005 2006 (budget) 2007 (projection)

Net Profit

Dynamic Growth (Loan Portfolio)

8,4

15,3

27,3

41

0

10

20

30

40

50

60

mil

lion U

S $

2003 2004 2005 2006 (budget) 2007(projection)

59

Targets for 2007

24,500 Clients 13.6% ROE

50% Portfolio Growth Improved customer service through

technology New products to provide full financial

service for micro and small businesses

Investment Opportunities

28

38

59

92

0

20

40

60

80

100

million U

S $

2005 2006 2007 2008

Net Debt

Why Partner with FORUS Bank? Unique growth market

Vast Network

Client Impact

Committed, energetic staff looking for cutting edge solutions combining banking and microfinance expertise

Shareholder and board bring strategic international expertise and resources