Investor Presentaiton

Vozrozhdenie Bank - a Community Bank built on SME and Individual relationships Assets: Loans: Retail funds: Net income for 9M: Shareholders' equity: ROE : Significant market presence RUB 137,131 mln RUB 103,200 mln RUB 104,166 mln RUB 2,525 mln RUB 14,396 mln 25.8% #8 Deposits from individuals # 3 Volume of loans to SMEs Note: data as of September 30, 2008 Retail clients: Corporate clients: Headcount (avg.): Offices: ATMs: Market capitalization: 1,270,000 #17 59,000 6,500 Branches 176 * RBC most recent ratings 633 Credit ratings RUB 7,729 mln Moody's Aaa Aa3.ru Aa Moody's Interfax Note: data as of October 30, 2008 Ratings Moody's Ratings Standard & Poor's Included in indexes: Ba3/D-/NP, stable BB-/ruAA-, negative MICEX Financial Index RTS-2 Listing VOZROZHDENIE BANK A Baa #28 Assets S&P AAA ruAA AA S&P national scale A BBB Ba3 BB- BB Ba Moody's S&P B international B A2 MICEX, A2 RTS Caa 01.01.06 01.09.06 01.05.07 01.01.08 01.09.08 CCC 3

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