LLC Rusfinance Bank is a Societe Generale’s key specialized subsidiary and a strategic Consumer Finance platform in Russia (100% owned by PJSC Rosbank). Rusfinance Bank has leading market positions in Car Finance and POS Finance: №2 and №4 in 2014 respectively (Frank Research Group). Key business lines: Car Finance Rusfinance Bank makes focus on express financing products, programs with car manufacturers, offering insurance products as well and additional services. POS Finance Rusfinance is one of the top market players (2013) with leader position on key segments (furniture & fur). Rusfinance has a revolving card offer and cobranded programs. Direct Sales Rusfinance Group is the first player to offer distant selling of loans in Russia No purpose loans distributed distantly (call center operating 24/365) and in 63 regional network branches. The Bank has high level credit ratings from 3 international rating agencies: Moody's - Ba1/Aa1.ru (Outlook Negative), Fitch - BBB - (Outlook Negative)/ AAA (rus) (Outlook Stable), Standard & Poor's - BB+ (Outlook Negative) / ruAA+. Rating of Fitch agency is investment grade rating. LLC Rusfinance. General license of Russian Central Bank as of 13.02.2013 №1792.