Investor Presentaiton
Retail business
Retail loan book growth
RUB bln
consumer loans car loans
credit cards
mortgages
Retail deposits distribution by size
RUB3-30 thosand
RUB30 100 thosand
RUB100-400 thousand
Data as of September 30, 2008
RUB400 thousand - 1 mln
20
20
17
18
over RUB1 mln
44%
17
15
10
31% 35%
13
9
29%
10
9
25%
8
6
3
17%
52
2
2
3
3
3
8%
2
3
4
4
5
1%
By volume
By number
7%
2%
Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008
Retail funding
Retail deposits by original term
Placed and rolled-over in Q3 2008
56
Current Accounts
54
■ 3 months
50
50
50
Term Deposits
6 months
60%
45
13
42
14
39
12
13
11
1 year
Over 1 year
10
6
29%
30
30
32
32
34
36
39
41
11
43
Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q12008 Q2 2008 Q3 2008
VOZROZHDENIE
BANK
9%
2%
By volume
66%
15%
11%
9%
By number
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