Credit Bank of Moscow (CBM) is a medium-sized universal privately owned bank operating in Moscow and Moscow region. The Bank operates in three business segments: Corporate Banking, SME Finance and Retail Banking. CBM is remarkable for its strong business diversification, efficient risk management system, long-term partnerships and efficient delivery of service packages. The Bank has been in trade finance business since 2001, in syndicated loan market since 2003 and in Eurobond market since 2006. CBM is also a Principal Member of MasterCard and Visa. Total assets: US$ 241.7 billion (as of December 31, 2011).