Investor Presentaiton

Q3 2008 key results Assets growth RUB bln 82 48 +37% 137 132 117 111 100 93 Net profit RUB mln +10% 966 878 688 681 542 399 275 Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Stable funding Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Operational expenses RUB bln ■Market funding RUB mln -6% 4% 1770 1762 1656 Customer funds ■Capital 1589 1378 1 390 1194 113 110 82% 92 96 82 75 69 8 14 14 15 15 16 19 14% Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 VOZROZHDENIE BANK Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 18

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