Investor Presentaiton

SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT 263 ^ 262 background information about this report >>N Report. In addition, even if the Bank's results of operations, financial condition and liquidity and the development of the industry in which the Bank operates are consistent with forward-looking statements contained in this Report, those results or developments may not be indicative of results or developments in future periods. The information and opinions contained in this Report are provided as at the date of this report and are subject to change without notice. REPORT BOUNDARY AND CONTENT This Report covers the Bank's performance with regard to priority as- pects identified by the Bank's Corporate Social Responsibility Policy: - Contributing to economic development - Supporting local communities - Offering socially oriented products and services Responsible business conduct Minimising adverse environmental impacts - Charity and sponsorship - Ensuring accessibility of financial services -Ensuring the quality of products and services -Improving financial literacy -Responsible finance -Investing in human capital. The following processes were used to define Report content: -Interviews with Bank executives An analysis of the content of non-financial reports released by comparable banks -An analysis of the Russian business media. This report is intended to meet the information needs of the Bank's stakeholders, which are defined by its Mission, the Sberbank Develop- ment Strategy and the Corporate Social Responsibility Policy. Those stakeholders include: Corporate and retail customers -Employees Society and local communities ― Majority and minority shareholders and investors -The state represented by federal, regional and municipal authorities. The information and data contained in this Report applies mainly to the Bank's operations within the Russian Federation (the Central Head Office and all regional banks), since it is there that most of its customers and employees are located, and are based on 2011 IFRS Consolidated Financial Statements of OJSC Sberbank of Russia. USE OF INTERNATIONAL STANDARDS This Report has been prepared using the Sustainability Reporting Guidelines of the Global Reporting Initiative (GRI) and the GRI Fi- nancial Services Sector Supplement. The Report corresponds to GRI Application Level B (see the GRI Content Index on page 264). 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU background information about this report 2011

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