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Investor Presentaiton

150 Λ corporate social responsibility >>> INTERVIEW SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT IMPROVING PRODUCT AND SERVICE QUALITY Denis Bugrov Member of the Management Board, Senior Vice President >> Sberbank is a unique financial institution in the Russian market. Our actions have an immediate impact on Russia's economic development and on development in the regions in which we operate. The effectiveness and customer focus of our operations affects the well being of an enormous number of people It is our fundamental position not to separate our business interests from our social responsibility programmes, since these two areas are integrated and interrelated. It is important for us that there be no con- flict between growing our business and acting as a socially responsible corporate citizen. Our 170-year history is an enormous source of confidence. Social re- sponsibility has today become not only a fashionable topic but also an integral element of our work. Let me give an example. One priority area of our business activities is improving the financial literacy of our cus- tomers to help them make better use of the Bank's advanced financial products and services. At the same time, there is also an element of our role as a socially responsible company in this: we want our customers to make informed and balanced financial decisions. This convergence between social responsibility and business interests is characteristic of a modern financial institution. This new stage in the development of the financial services market is a vital element of our work. 2011 saw several important events. First of all, we adopted a Corporate Social Responsibility Policy, thus providing a formal foundation for Sberbank's extensive activities in this area. This is a major milestone for us, since historically Sberbank has always been a socially oriented institution. By adopting the policy we sent a signal-first and foremost, to ourselves, but also to all our stakeholders-that we take corporate social responsibility seriously, defining its principles, goals and ob- jectives, and that we are going to expand activities in this area to the maximum extent possible. First of all, we adopted a Corporate Social Responsibility Policy, thus providing a formal foundation for Sberbank's extensive activities in this area In addition to the adoption of the policy, we implemented a broad range of stakeholder engagement activities. In our customer relations, we developed and expanded Customer Voice, a large-scale customer feed- back programme, improved the quality of service and expanded our product and service range. We increased the transparency and open- ness of the Bank's operations, using, among others, suggestions from our minority shareholders. In employee relations we used a variety of feedback channels ranging from the CEO's hotline to large-scale crowd- sourcing projects. We maintained an effective and constructive dialogue on a broad range of issues with the government-our key counterparty. In 2011, we not only used our traditional stakeholder engagement meth- ods but also piloted new mechanisms. We are particularly proud of our crowdsourcing initiative. To celebrate the Bank's 170th anniversary, we implemented Sberbank 21, a large-scale project that united tens of thousands of participants who told us how we can make Sberbank and the country better, more dynamic and efficient. 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 151 corporate social responsibility 2011
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