Investor Presentaiton

SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT 2011 11 A bank profile 10 Our mission 11 Our values 11 Credit ratings 13 Sberbank's Position in the Financial Market 13 F ull name: Sberbank of Russia. Abbreviated name: Sberbank. BANK PROFILE The principal shareholder: Central Bank of the Russian Federation (Bank of Russia). Head office: 19 Vavilova St., 117997, Moscow, Russia. Our mission We instill confidence and sense of reliability, we make people's lives better, helping them to fulfill their dreams and aspirations. We are building one of the best financial services companies in the world, and our success will be based on the professionalism as well as the feeling of harmony and happiness of our staff. Our values Openness and goodwill. A drive for perfection. Respect for traditions. - Integrity. Prudence and professionalism. Trust and responsibility. Initiative and creativity. Teamwork and effectiveness. A healthy lifestyle (mind, body and soul) Herman Gref Named Businessman of the Year 20 June 2011, Moscow - Herman Gref, CEO and Chairman of the Man- agement Board at Sberbank, was named Businessman of the Year in the Kommersant-Renaissance nomination. The Head of Sberbank was presented with the award for effective crisis management and restoring asset quality. Sberbank Ranked as Europe's Third Largest Bank by Market Capitalisation 15 November 2011, Moscow-On 14 November 2011, Sberbank became the third largest bank in Europe by market capitalisation. With a market cap of almost USD 60 billion, Sberbank outranks such global leaders as France's BNP Paribas, Switzerland's UBS, German's Deutsche Bank and Britain's Barclays and Royal Bank of Scotland. Sberbank Recognised as Best Russian Company in India 3 October 2011, Moscow- At the 3rd Russia-India Business Dialogue Forum, Sberbank received an award as the Best Russian Company in India. 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU Λ bank profile

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