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Investor Presentaiton

SBERBANK 170 YEARS. BY YOUR SIDE 2011 the MICEX and RTS indices dropped 17% and 22% respectively, while the price of Sberbank ordinary shares declined 24%. Despite the lower share price, Sberbank was ranked as the 19th largest major global bank by market capitalisation in the FT Global 500. SBERBANK'S SHARE PRICE AND MARKET CAPITALISATION Ordinary shares (MICEX), RUB per share Preferred shares (MICEX), RUB per share MICEX index RTS index ANNUAL REPORT GOVERNANCE STRUCTURE 2011 Year for which dividends are paid Percentage of RAS net profit distributed as dividends accrued per ordinary share*, RUB In the reporting year, the Bank increased the amount to be distributed as dividends on Sberbank shares to 12.1% of 2010 net profit based on Russian accounting standards (RAS). Dividend declared/ Dividend declared/ accrued per preferred share*, RUB Total dividends declared/accrued on all ordinary and preferred shares, RUB thousand Total dividends paid** on all ordinary and preferred shares, RUB thousand Date of General Shareholders' Meeting that decided to pay/ declare dividends 2006 10.0% 0.3855 0.4650 8,786,757.3 8,786,757.3 29.06.2007 2010 2011 2007 10.0% 0.5100 0.6500 11,659,269.8 11,659,269.8 27.06.2008 104.4 79.4 2008 10.0% 0.4800 0.6300 10,991,636.6 10,966,205.4 26.06.2009 75.1 59.2 2009 10.0% 0.0800 0.4500 2,176,955.8 1,688 1,402 2010 12.1% 0.9200 1.1500 21,009,992.2 2,169,414.9 20,942,903.3 04.06.2010 03.06.2011 1,770 1,382 Source: Bloomberg Λ management report 52 In February 2012, the Economist ranked Sberbank shares as the second best performing stock in the past decade. According to the magazine, USD 100 invested in Sberbank stock ten years ago would today give an income of USD 3,772. Sberbank was topped only by Apple Inc. (USD 3,919). There was only one other bank in the top ten - Banco do Brasil, which ranked 8th, yielding USD 1,150. Market capitalisation, USD billion Rank among global banks by market capitalisation 2009 2010 2011 61.8 76.1 54.8 18 15 19 The Supervisory Board adopted a new Dividend Policy in August 2011. As part of its plans to improve capital structure and build long-term shareholder engagement, the Bank will gradually, over a three-year period, increase dividends to 20% of net profit attributable to the Bank's shareholders based on the Bank's annual consolidated finan- cial statements under International Financial Reporting Standards (IFRS). However, dividends will still be paid out of net profit based on Russian legislation, i.e. RAS. The table below shows the amount of dividends on Sberbank shares for 2011 that the Supervisory Board recommended for approval by the General Shareholders' Meeting. Source: FT Global 500 Percentage of IFRS net profit Percentage of RAS net profit distributed as dividends Dividend declared/ accrued per ordinary Dividend declared/ accrued per preferred Total dividends declared/ share*, RUB share*, RUB accrued on all ordinary and preferred shares, RUB thousand REPORT ON PAYMENT OF DECLARED AND ACCRUED DIVIDENDS The right to dividends and dividend payment procedure are stipu- lated by Sberbank's Charter and Dividend Policy. Both documents can be found on Sberbank's corporate website. Holders of ordinary and preferred shares are entitled to dividends. The minimum dividend on preferred shares is 15% of the nominal value of a preferred share. Pursuant to the Bank's Charter, dividends are payable once a year in cash by transfer to the shareholder's bank account. The decision to pay dividends and their amount is made at the annual General Shareholders' Meeting, based on the Supervisory Board's recommendations. These recommendations are made tak- ing into consideration the interests of the shareholders and further development of the Bank's business. 15% 15.3% 2.08 2.59 47,490,581.8 The decision to pay dividends for 2011 will be made and their amount will be determined at the annual General Shareholders' Meeting on 1 June 2012. This information will be available on Sberbank's website. 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU * Dividends per share for 2006 are restated based on the current face value of stock of RUB 3 per share. ** In some cases declared dividends could not actually be paid because of incorrect shareholder bank details. 53 A management report
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