Investor Presentaiton

268 GRI content index >> SBERBANK EC8 EC9 170 YEARS. BY YOUR SIDE GRI disclosure/indicator (as defined by the GRI Guidelines) Development and impact of infrastructure investments and services provided primarily for public benefit through commercial, in-kind, or pro bono engagement Report page/comment/reference Contributing to the Sustainable Development of Russian Regions EN12 Supporting Small- and Medium-Sized Businesses EN13 EN14 Contributing to Housing and Utility Sector Reform Charity and Sponsorship EN15 Contributing to the Economic Development of the Country Understanding and describing significant indirect economic impacts, including the extent of impacts Branch Network Environmental Performance indicators Management approach. EN16 ANNUAL REPORT 2011 GRI disclosure/indicator (as defined by the GRI Guidelines) Description of significant impacts of activities, products, and services on biodiversity in protected areas and areas of high biodiversity value outside protected areas Habitats protected or restored Strategies, current actions, and future plans for managing impacts on biodiversity Number of IUCN Red List species and national conservation list species with habitats in areas affected by operations, by level of extinction risk Total direct and indirect greenhouse gas emissions by weight (the Financial Services Sector Supplement includes a commentary on this indicator) Report page/comment/reference Managing our Environmental Impact Direct greenhouse gas emissions were 39,595.3 tonnes of CO2 equivalent. Indirect greenhouse gas emissions associated with electricity and heat consumption were 517,766.8 and 292,183 tonnes of CO2 equivalent respectively. The amount of other greenhouse gases emitted by the Bank is insignificant. Financial Literacy Interview with Andrey Donskih Interview with Alexander Bazarov Interview with Denis Bugrov Interview with Alexander Torbakhov Interview with Olga Kanovich EN17 Interview with Igor Artamonov Other relevant indirect greenhouse gas emissions by weight Interview with Sergey Gorkov EN18 Initiatives to reduce greenhouse gas emissions and reductions achieved Interview with Stanislav Kuznetsov Interview with Bella Zlatkis EN19 Emissions of ozone-depleting substances by weight Interview with Anton Karamzin EN20 NOX, SOX, and other significant air emissions by type and weight Reducing our Environmental Footprint EN21 Total water discharge by quality and destination The Bank's operations do not involve water consumption. Total water discharge is equal to total water withdrawal. EN1 Materials used by weight or volume EN2 Percentage of materials used that are recycled input materials EN22 EN23 Total weight of waste by type and disposal method Total number and volume of significant spills Not applicable EN3 Direct energy consumption by primary energy source Not applicable. EN24 EN4 Indirect energy consumption by primary source Improving Energy Efficiency EN5 Energy saved due to conservation and efficiency improvements Weight of transported, imported, exported, or treated waste deemed hazardous under the terms of the Basel Convention Annex I, II, III, and VIII, and percentage of transported waste shipped internationally Not applicable EN6 Initiatives to provide energy-efficient or renewable energy based products and services, and reductions in energy requirements as a result of these initiatives EN25 EN26 EN7 Initiatives to reduce indirect energy consumption and reductions achieved Improving Energy Efficiency EN27 EN8 Total water withdrawal by source Managing our Environmental Impact The Bank only withdraws water from municipal water supply systems. EN28 EN9 Water sources significantly affected by withdrawal of water EN10 EN11 Percentage and total volume of water recycled and reused Location and size of land owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas The Bank's water withdrawal has no serious impact on water sources because the Bank's operations do not involve water consumption. The Bank does not recycle or reuse water. 170 YEARS. IT'S JUST THE BEGINNING EN29 Identity, size, protected status, and biodiversity value of water bodies and related habitats significantly affected by the reporting organisation's discharges of water and runoff Initiatives to mitigate environmental impacts of products and services, and extent of impact mitigation Percentage of products sold and their packaging materials that are reclaimed by category Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with environmental laws and regulations Significant environmental impacts of transporting products and other goods and materials used for the organisation's operations, and transporting members of the workforce Not applicable Our Construction Projects A fine of RUB 20,000 was imposed on Dalnevostochny Bank for an administrative offence-cutting down trees without the necessary permit during reconstruction of a facility. No other fines for environmental non- compliance were imposed on Sberbank's entities. Managing our Environmental Impact Greenhouse gas emissions associated with fuel consumption in transportation in 2011 amounted to 104,726.3 tonnes of CO2 equivalent. WWW.SBERBANK.RU 269 GRI content index

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