Investor Presentaiton

SBERBANK GRI disclosure/indicator (as defined by the GRI Guidelines) PR7 PR8 PR9 170 YEARS. BY YOUR SIDE Report page/comment/reference Total number of incidents of non-compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship by type of outcomes. Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data Monetary value of significant fines for non-compliance with laws and regulations concerning the provision and use of products and services. Counteracting Fraud and Illegal Business Practices A fine of RUB 26,082.24 was imposed on the Bank's Central Head Office for non- compliance with the Consumer Rights Protection Law. According to rulings on administrative offences, a fine of RUB 1,100,000 was imposed for failure to comply with a Federal Financial Markets Service order. Society Performance Indicators Management Approach ANNUAL REPORT 2011 GRI disclosure/indicator (as defined by the GRI Guidelines) Report page/comment/reference FS4 Process(es) for improving staff competency to implement the environmental and social policies and procedures as applied to business lines FS5 Interactions with clients/investees/business partners regarding environmental and social risks and opportunities FS6 Percentage of the portfolio for business lines by specific region, size (e.g. micro/SME/large) and by sector FS7 FS8 FS9 FS11 Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures Percentage and number of companies held in the institution's portfolio with which the reporting organisation has interacted on environmental or social issues. Percentage of assets subject to positive and negative environmental or social screening Sberbank's Position in the Financial Market Developing our Product Range Socially Oriented Products Charity and Sponsorship Improving Product and Service Quality FS10 Ensuring Accessibility of Services FS12 Voting polic(ies) applied to environmental or social issues for shares over which the reporting organisation holds the right to vote shares or advises on voting FS13 Access points in low-populated or economically disadvantaged areas by type Branch Network Counteracting Fraud and Illegal Business Practices FS14 Initiatives to improve access to financial services for disadvantaged people Contributing to the Economic Development of the Country FS15 Policies for the fair design and sale of financial products and services Service Accessibility for Customers with Disabilities 272 GRI content index >> S01 S02 S03 Nature, scope, and effectiveness of any programs and practices that assess and manage the impacts of operations on communities, including entering, operating, and exiting Percentage and total number of business units analysed for risks related to corruption Percentage of employees trained in organisation's anti- corruption policies and procedures S04 Actions taken in response to incidents of corruption S05 S06 S07 S08 Public policy positions and participation in public policy development and lobbying Total value of financial and in-kind contributions to political parties, politicians, and related institutions by country Total number of legal actions for anti-competitive behaviour, anti-trust, and monopoly practices and their outcomes Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with laws and regulations One such incident took place in relation to Zapadno-Uralsky Bank (see below). In 2011, a fine of RUB 9,166,859.90 was imposed on Zapadno-Uralsky Bank for non-compliance with anti-monopoly legislation in regards to competition on the goods' market. Financial Services Sector Supplement FS1 FS2 FS3 Management Approach Policies with specific environmental and social components applied to business lines Procedures for assessing and screening environmental and social risks in business lines Processes for monitoring clients' implementation of and compliance with environmental and social requirements included in agreements or transactions Retail Business Corporate Business Financial Market Operations FS16 Initiatives to enhance financial literacy by type of beneficiary 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU Financial Literacy 273 A GRI content index

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