Investor Presentaiton

financial results SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT STRUCTURE OF SBERBANK GROUP'S LIABILITIES AND EQUITY UNDER IFRS 2011 Instrument Currency Original amount Origination date Maturity Interest rate, % Medium-term borrowing programme (MTN programme) Tranche 1 USD 0.5 billion May 2006 7 years 6.5 Tranche 3 USD 0.5 billion July 2008 5 years 6.5 Tranche 4 (principal issue) USD 1 billion Tranche 4 (additional issue) USD 0.5 billion Tranche 5 (principal issue) USD 1 billion July 2010 August 2010 September 2010 5 years 5.5 5 years 5.5 6.5 years 5.4 up 69.1% of amounts due to customers and the share of current ac- counts increased by 1.1 p.p. to 30.9%. The Russian Ruble (RUB) is the Group's major funding currency with 81.7% of amounts due to individuals and corporate customers de- nominated in Russian Rubles. At year-end, the share of amounts due to customers denominated in Russian Rubles decreased by 0.7 p.p. CURRENCY STRUCTURE OF AMOUNTS DUE TO CUSTOMERS AT YEAR-END Tranche 5 (additional issue) USD 0.250 billion October 2010 6.5 years 5.4 % Tranche 6 CHF 0.4 billion November 2010 Tranche 7 USD 1 billion June 2011 4 years 10 years 3.5 2.3 100 5.7 0.7 14.3 2.3 1.6 17.4 1.3 2.0 17.9 Syndicated loans 80 Syndicated loan USD 2 billion 98 Syndicated loan (tranche 1) USD 1.06 billion Λ Syndicated loan (tranche 2) EUR 0.1 billion December 2010 November 2011 November 2011 3 years 3 years 3 years 6m LIBOR + 1.5 60 3m LIBOR + 1.5 82.7 78.7 78.8 99 40 3m EURIBOR + 1.1 A RUB million AMOUNTS DUE TO CUSTOMERS Breakdown of amounts due to customers is presented in the table below. As of 31 December 2011 As of 31 December 2010 Change, % Amount % of amount Amount % of amount 20 2009 Russian Ruble US Dollar Euro Other foreign currencies 2010 2011 Due to individuals EQUITY Current accounts 1,077,039 13.6 785,750 11.8 37.1 RUB million Amount Deposits 4,649,280 58.6 4,048,709 60.9 14.8 2011 2010 Total 5,726,319 72.2 4,834,459 72.7 18.4 Share capital 87,742 87,742 Due to corporate customers Treasury shares (6,962) Current accounts 1,372,356 17.3 1,199,581 18.0 14.4 Share premium 232,553 232,553 Deposits 833,458 10.5 617,091 9.3 35.1 Revaluation reserve for office premises 81,527 53,648 Total TOTAL 2,205,814 7,932,133 27.8 100.0 1,816,672 6,651,131 27.3 21.4 Fair value reserve for investment securities available for sale (7,459) 24,431 100.0 19.3 Foreign currency translation reserve Retained earnings (5,692) (1,136) 882,766 585,819 As of 31 December 2011, amounts due to individuals and corporate customers increased by 19.3% to RUB 7,932.1 billion. The share of amounts due to corporate customers in the total amount due to cus- tomers increased by 0.5 p.p. to 27.8%, while the share of amounts due to individuals in the total amount due to customers fell to 72.2%. In 2011, the structure of amounts due to individuals and corporate customers changed in slightly compared to 2010. Term deposits make Total shareholders' equity 1,264,475 983,057 Non-controlling interest Total equity 3,496 4,110 1,267,971 987,167 The Group's shareholders' equity grew 28.6% to RUB 1,264.5 billion as of 31 December 2011. 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU financial results

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