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Investor Presentaiton

Distribution network Focus on 20 regions with most diversified economies Moscow Region - home territory Murmansk Magadan St. Petersburg Petrozavodsk Kaliningrad Tula Ryazan Yaroslavl Moscow Region Nizhny Novgorod Saransk Volgograd Bostov Volgodonsk Krasnodar Stavropol Novorossiysk Makhachkala Barnaul Komsomolsk-na-Amure ° Khabarovsk Taldom Klin Dmitrov Lotoshino Sergiev Posad Solnetchnogorsk Pushkino Volokolamsk Shahovskaya Istra Khimki Shohyolkova Mitischi No ginsk Krasnogorsk Ruza Zvenigorod Barashiha . ⚫Elektrostal Lyubertsy Kurovskoye • Shatura Odyntsovo Ramenskoye Mozhaisk • Podolsk Bronnitsy Egoryevsk Naro-Fominsk Domodedovo Chekhov Mikhnewo Voskresensk Kolomna Lukhovitsy Serpukhor Stupino Pusohino Kashira Zaraisk Serebrianie Prudi Additional offices opened in '07-'08 Replication of Moscow region model in other regions: Total offices opened in last 2 years Moscow region 106 15 Stavropol' Krai 13 3 Rostov-on-Don region 8 0 Volgograd 7 3 Saint Petersburg 8 50 with high recognition of brand IPSOS survey 85% of respondents in our regions know us TNS loyalty survey Ipsos tns TEN the sixth sense of business •Loyalty index equals top 10% of major international banks ⚫94% of our clients are ready to recommend us VOZROZHDENIE BANK 6
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