Investor Presentaiton

124 Λ corporate social responsibility >> INTERVIEW SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT CONTRIBUTING TO THE ECONOMIC DEVELOPMENT OF THE COUNTRY 2011 Andrey Donskih Member and Deputy Chairman of Management Board >> Social responsibility is a multifaceted concept, which includes, amongst other aspects, supporting economic development by extending loans to regional governments, financing federal and regional targeted programmes and providing funding to different economic sectors and customer segments Social responsibility undoubtedly also involves servicing retail custom- ers and providing them with access to an extensive range of modern financial products and services. We see the implementation of pro- grammes facilitating socio-economic development in the country as a cornerstone of the Bank's mission. 2011 was a special year for us. We succeeded in implementing a broad range of projects important both to the Bank and to the economy at large. The Bank paid special attention to standardising approaches and activities across all areas of our operations. We developed a Cor- porate Business Development Plan and Programme for each region of the Russian Federation. Today Sberbank offers a standardised and comprehensible set of corporate banking services across the entire country. We have more than 3,500 offices providing services to corpo- rate customers, which is equivalent to around one third of our network in urban areas. We launched a remote banking system, which has become very popular among our corporate customers. In fact, interest in the system was triple what we had expected. At present the Bank is working to produce a Nationwide Integrated Regional Development Plan. We have developed a new software prod- uct that will serve as a "one-stop-shop" to help track progress in the implementation of federal targeted programmes in areas such as the housing and utility sector, agriculture and the development of utility and road infrastructure. The Bank has signed agreements with a number of regional governments as part of this drive to promote regional devel- opment. I would like to highlight our partnership with the Republic of Udmurtia, which involves a broad scope of projects and programmes ranging from the development of infrastructure through to financing individual industrial enterprises and creating industrial clusters. We also signed an agreement with the Belgorod Region, a long-time part- ner of Sberbank. We maintain close contacts with the administration ^ of the North Caucasian Federal District, as well as the governments of 125 all republics in the North Caucasus and Stavropol Territory. Our objec- tive is to create an integrated programme spanning the entire country. For this purpose the Bank has created a special division to work with government projects and programmes. We launched a remote banking system, which has become very popular among our corporate customers. In fact, interest in the system was triple what we had expected Supporting the development of small business is one of the Bank's top priorities. In 2011, we developed a Small Business Services Concept, which helped us bring a number of innovative products and offerings to the market for small businesses. The Concept comprises three main components, which we at Sberbank call, probably somewhat ambi- tiously, Evolution, Revolution and Transformation. As part of the Evolution component, we offer our customers a set of specialised products, which help small businesses better understand Sberbank's offerings and identify the product best suited to their cur- rent needs. The Revolution component includes two types of banking products intended to improve the availability of loan financing for micro busi- nesses, a customer sector that previously went unnoticed by the bank- ing industry. One of the products, the Loan Factory, provides access to loans of up to RUB 3 million without guarantors or collateral with a turnaround time of no more than two days. In 2011, we reached our corporate social responsibility 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU

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