Investor Presentaiton

RUB mln Corporate business Corporate lending Large corporations ■SMES 87 40 ■ Other 78 Corporate funding RUB mln Current Accounts ■Term Deposits 65 67 64 29 31% 61 53 15 16 18 14 10 45 49 47 48 41 1 2 1 2 24 42 24 31 67% 27 24 56 52 19 21 21 17 2% 1 2 2 6 8 10 45 42 37 32 32 56% 25 26 24 23 23 19 44% 13 15 Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 Diversified loan book Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q12008 Q2 2008 Q3 2008 SME focus Data as of September 30, 2008 Other Transport 9% Industry State 8% 25% organizations 2% Up to RUB 30 mln ■RUB 30 mln - 100 mln RUB 100 mln - 750 mln More than 750 mln 79% RUB 46% 12% 86,956 Finance mln. 12% 23% 5% Construction 17% Wholesale & 27% 13% 13% 8% retail trade 1% Agriculture By volume By number Data as of September 30, 2008 VOZROZHDENIE BANK 8

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