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244 corporate social responsibility >> SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT REDUCING OUR ENVIRONMENTAL FOOTPRINT Making Cities Greener In 2011, Sberbank took a number of steps to make Russia's cities greener. The Yugo- Zapadny, Srednerussky, Vostochno-Sibirsky and Dalnevostochny Banks all participated in programmes to plant hundreds of trees (maple, apple, birch, willow, fir, aspen and other types of tree), arranged mini-parks in public places and paved roads with stone blocks. Small monuments and plaques commemorating Sberbank's 170th anniversary were installed in many parks. Local young people, NGOs and municipal officials joined Sberbank employees in their green efforts. Our initiative was greatly appreciated by local residents, many of whom are our customers, and the local authorities. Consumption In 2011, as a part of the Bank's environmental management system, we adopted a Regulation on Operational Environmental Monitoring. All regional banks have prepared Action Plans for Environmental Protection and Rational Resource Use for 2012. We are currently developing an integrated database to collect and consolidate data about the Bank's environmental performance. FUEL AND WATER CONSUMPTION BY THE BANK 2011 MANAGING OUR ENVIRONMENTAL IMPACT Even though we have less of an effect on the environment than in- dustrial companies, we still pay significant attention to minimizing our own environmental impact. So as to develop and implement an effective set of measures in this field, we need to manage our impact on the environment through monitoring and analysis. For its corporate stationary, the Bank uses paper produced without the use of environmentally harmful bleaching agents. The Bank consumes about 400 tonnes of stationary produced using such paper each year. We produce waste in the process of our operations like any other major business. At our premises we run a separated waste collection system, which at our Central Head Office alone has helped save at least RUB 8 million. Petrol fuel, Diesel fuel, Water, m³ New Communications Technologies Amount Cost, RUB thousand 34,375,819 9,833,126 793,017 221,374 5,169,243 253,602 Given the scale and geography of the Bank's operations, car, rail and air travel by our employees is a significant source of greenhouse gas emissions. Seeking to reduce both emissions and costs, we, wherever possible, replace business travel with video conferencing, IP conference calls and other solutions based on the latest information and communications technology. Moreover, by developing remote service channels, we reduce the need for our customers to travel to our outlets. 1960s New savings book. 1963 Personal incomes grew 1.5 times. Almost all citizens of the country became customers of savings banks. By the end of 1963 the country had more than 73 thousand savings banks 1970s Harvesting. 1973 In 1973, the savings banks started giving loans credits to the rural population. The beginning of this experience was in Voronezh region. The Departments of the State Bank passed the loan debts documentation to the local savings banks, and they started to process loans issuing and paying off operations 1980s The savings bank operating area. Moscow. Mid-1980s By early 1980s, savings banks had received more than 7,000 new premises, extended working hours. But the number of transactions at the banks continued to be limited. In the early 1980's banks took only two types of deposits: on-demand and fixed-term deposits. By 1990 there were 11 types of deposits in the bank 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 245 corporate social responsibility 2011

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