TransCreditBank is a top-15 Russian bank by assets. TransCreditBank is an active member of various domestic and international banking, financial and transport unions and associations. TransCreditBank has a diversified client base, including major Russian companies in manufacturing, infrastructure construction, power generation, telecom, mining, oil, gas, and chemical industries. VTB Bank held a 74.37% stake in TransCreditBank as at August 1, 2011. Total assets: US$ 14.6 billion. Total equity: US$ 1.0 billion (as at March 31, 2011). TransCreditBank provides a full range of banking services to corporate and retail clients, including lending, deposit taking, account and payroll services, international settlements, transactions with precious metals, stock market operations, retail financing, debit and credit cards issuance and express money transfers. For corporate clients TransCreditBank offers lending, factoring, leasing, settlement, deposit-taking services, project and trade finance. The Group operates main and additional offices in 190 cities and towns of Russia.