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Investor Presentaiton

10:00-11:15 SBER zone Lounge A, 1st floor 13:00-14:20 SBER zone Lounge A, 1st floor 2.5.1 BREAKING STEREOTYPES: THE RUSSIAN ECONOMY IN THE SANCTIONS REALITY Organizer: Sberbank of Russia. The Russian economy adapted quickly to last year's sanctions shocks: redirecting trade flows, ensuring continuity of payments, and maintaining macroeconomic stability. Initial fears of a deep recession did not materialize; the range of forecasts for 2023 has become noticeably more modest. But this is only the beginning of the large-scale structural transformation that the country will have to go through in the coming years. There are serious challenges along the way. How can the landscape of sanctions pressure change? How can the geography of foreign trade be restructured without becoming overly dependent on new partners? What will the payment infrastructure look like? How difficult is the task of forming one's own ecosystem to create innovations and import substitution technologies? Invited moderator: ▪ Alexander Vedyakhin, First Deputy Chairperson of the Management Board of Sberbank PJSC, member of the Supervisory Board. Invited speakers: Vladimir Chistyukhin, First Deputy Chairman of the Bank of Russia; Dmitry Azarov, Governor of the Samara region; Elena Dybova, Vice President of the Chamber of Commerce and Industry of the Russian Federation; Sergey Belyakov, CEO of OZON Holding; Alireza Peyman-Pak, Deputy Minister of Industry, Natural Resources and Trade - Head of the country's Trade Promotion Organization. 2.5.2 SBER LEADERSHIP IN THE DEVELOPMENT OF PARTNERSHIP FINANCE IN THE RUSSIAN FEDERATION Organizer: Sberbank of Russia. Currently, the market of Islamic finance demonstrates the highest potential. According to the State of the Global Islamic Economy Report 2021/2022, by 2025 the growth rate of total Islamic finance assets is expected to increase by 40% from $3.6 trillion in 2022 to $4.9 trillion in 2025. In 2022, it is expected to reach $4.9 trillion. In Russia, there is a growing demand for Islamic finance products. In Russia, there is a growing demand for partner finance products in regions with predominantly Muslim populations. There is interest from Russian banks, leasing companies, and large public companies. In the current realities, the introduction of a full-fledged model of Islamic finance has additional challenges in terms of taxation and timely entry into the market, despite this Sberbank has launched a number of projects in this segment. How is Sberbank involved in the development of partnership finance in Russia? What products does Sberbank offer as part of the partnership finance project? 72
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