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Investor Presentaiton

management report 34 Λ SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT CORPORATE BUSINESS 2011 Trade finance and documentary transactions The volume of the Bank's trade finance and documentary business in 2011 exceeded RUB 1 trillion, making us the undisputed leader in the Russian banking sector. The volume of the Bank's trade finance and documentary business in 2011 exceeded RUB 1 trillion The volume of our documentary business, which covers import, export and domestic letters of credit, documentary collections, international guarantees and guarantees against counter guarantees, exceeded the equivalent of RUB 900 billion. The volume of domestic letters of credit was more than RUB 37.4 billion or 1.5 times the figure for 2010. In 2011, the Bank executed over 950 trade finance transactions us- ing various instruments for RUB 176 billion (or 1.5 times the figure for 2010), of which more than RUB 114 billion was raised through 46 transactions under bilateral agreements with foreign banks. The major lenders under trade finance transactions were Bank of America Merrill Lynch, Bank of New York Mellon, Citibank, Commerzbank, Mizuho Corporate Bank and the Royal Bank of Scotland. Sberbank de- veloped the following types of trade finance transactions: post-import financing, ECA-backed financing, target financing, LOC transactions and issuing reimbursement undertakings and guarantees on the instruction of Russian and CIS banks, etc. FCTAR 1840s The Board of Trustees on Solyanka Street The first Moscow Savings Bank was opened on 5 April, 1842 in the building of the Foster Home Board of Trustees on Solyanka Street 1840s Russian peasants The primary distinction and advantage of savings banks was that they were "the bank for all the population, for masses, but not for certain groups or classes". Results of the first year of operation turned out to be rather encouraging. During the year 1842, 38.6 thousands of roubles were deposited to 2,400 savings books in the Saint-Petersburg savings bank, and 15.6 thousands of roubles were deposited to 848 books in the Moscow one 1840s Silver rouble of Nikolay I period In 1840, as the result of monetary reform, the silver rouble became the main monetary unit. It helped to stabilize the country's financial system and to clear the way to savings banks establishing 1850s Alexander II 1855, Alexander Il acceded to the Russian throne. The period of his reign was marked with the epoch of Great Reforms. One of the first reformations was the reorganisation of the country's credit and banking system 1850s Nikolaevsk-on-Amur. Photo of the late 19th century Nikolaevsk-on-Amur was founded in 1850. But in about 15 years the first Far East savings bank was opened there within the course of active extension of the savings banks network 1860s The Charter of the City Savings Banks. 1862 In 1862 a new savings banks' charter was approved by Alexander II. The capital savings banks were now working at the State Bank offices. Savings banks appeared "in all towns, suburbs and neighborhoods under a town's supervision" 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU Λ 35 management report
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