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corporate social responsibility >> 136 INTERVIEW SBERBANK 170 YEARS. BY YOUR SIDE CONTRIBUTING TO THE ECONOMIC DEVELOPMENT OF THE COUNTRY ANNUAL REPORT 2011 Alexander Bazarov Member of the Management Board, Vice President, Director of the Corporate Clients Department >> Sberbank's social responsibility means doing everything that is described in detail in our Strategy and consistent with our mission and values, and doing it well. What we do is very simple: we say what we think, do what we say and believe in what we do. Good ends cannot be achieved through unethical means For Sberbank, 2011 was not only an anniversary year; it was a year of records for the Bank as a whole, for its corporate business and for the Corporate Clients Department, which provides financial services to the Bank's largest customers. We broke almost all the records that could be broken and set all the records that could be set. The total value of the Department's loan portfolio exceeded RUB 3 trillion. In 2011 alone, we extended RUB 1 trillion worth of loans to our customers. We will certainly continue to expand our operations. The Bank finances all sectors of the Russian economy. The structure of our loan portfolio virtually mirrors the structure of Russia's national GDP, and we have recorded major achievements in each sector. One highlight is the extremely complex project finance deal we did for Rus- Vinyl, which was recognised by a number of international experts as the best European deal in the petrochemical sector in 2011, an achievement of which we are very proud. One of our priorities is helping develop Russian infrastructure. This is a very complex sector that requires long-term financing, specific expertise and an understanding of prospects for economic develop- ment. We believe infrastructure is a key sector that will help create numerous jobs and improve the standard of living in all of Russia's regions. In 2011, we began work on a number of new projects and plan to close several major deals in 2012. One of them will be join- ing a joint venture to develop Russia's airports with Changi Airports International, a Singapore-based company recognised as a leader in the global airport business. We believe infrastructure is a key sector that will help create numerous jobs and improve the standard of living in all of Russia's regions We also finance about half of all agriculture projects in Russia: there is not a single region in the country that is not home to a project financed by Sberbank. Russia's agriculture sector is one of our priorities. Today Sberbank's agriculture loan portfolio totals some RUB 655 billion. In 2011, the Bank extended over 18,000 loans worth a total of more than RUB 455 billion to agriculture companies. However, it is worth remem- bering that it is not us that feeds the country but our clients. NEW LOANS TO AGRICULTURE BUSINESSES RUB billion 400 300 200 100 455 389 362 0 2009 2010 2011 We are optimists and so we believe that in business there is enough room for growth in all sectors of the economy and for our clients, em- ployees and investors. Business is infinite and an understanding of long-term growth trends is of great use to us all. 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 137 Λ corporate social responsibility

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