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Key performance indicators ROE. % Mid-term target: 20-25% 21,0% 18,5% 19,1% 25,8% 2006 2007 9M 2008 2005 Capital adequacy Tier 1 Tier 1 + Tier 2 15,9% 15,0% 12,5% 12,9% 11,7% 10,6% 8,7% 7,7% ROA. % 1,39% 1,37% 2005 2006 2,07% 2,70% 2007 9M 2008 Cost to income ratio. % 76,1% Mid-term target: 50% 72,3% 62,7% 53,9% 2005 2006 2007 9M 2008 2005 2006* 2007 9M 2008 *2006 - less extraordinary items VOZROZHDENIE BANK 20 20

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