Investor Presentaiton

SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT CONTRIBUTING TO THE ECONOMIC DEVELOPMENT OF THE COUNTRY Sberbank-AST also provides procurement services to customers re- ceiving funds from the federal and regional budgets. We are currently increasing our efforts to expand the company's customer base. Sberbank-AST, a subsidiary of Sberbank, is the largest electronic gov- ernment procurement services provider in Russia. In 2011 its share in the total volume of government procurement through electronic auctions increased from 56% to 61.4%. Sberbank-AST was named Company of the Year 2011 in the IT (eTrad- ing) category of the National Business Awards. ACTIVITIES OF CJSC SBERBANK-AST AS A GOVERNMENT PROCUREMENT SERVICES PROVIDER Furthermore, the Regulation on Procurement by OJSC Sberbank of Russia dated 5 December 2011 was developed and approved by Sberbank's Supervisory Board. The document was adopted to ac- commodate the requirements of the Federal Law dated 18 July 2011 No. 223-FZ On the Procurement of Goods and Services by Certain Categories of Legal Entities, improve the transparency and fairness of procurement procedures, prevent discrimination and unreasonable restriction of competition, ensure proper and efficient use of funds in the procurement of goods and services and reduce the Bank's procurement costs. In 2011, Sberbank-AST again renewed its permit to conduct bankrupt- cy sales, confirming its compliance with the respective requirements. RESULTS OF SBERBANK-AST'S BANKRUPTCY SALE ACTIVITIES Indicator Number of auctions announced 2010 2011 78,053 523,211 144 Total worth of announced auctions (RUB million) 410,434 2,068,004 Λ Number of suppliers accredited for participation in electronic auctions 34,378 93,224 Sberbank-AST's share of total government procurement volume through electronic auctions 56% 61% corporate social responsibility >> At the beginning of 2011, Sberbank-AST was competitively selected to operate the Official Government Procurement Portal of the Russian Federation (zakupki.gov.ru) used to publish tender notifications. The company provided information and technical support for the portal during the complicated period while it was launched and began ini- tial operations. RESULTS OF ACTIVITIES OF CJSC SBERBANK-AST AS OPERATOR OF THE GOVERNMENT PROCUREMENT PORTAL Indicator Number of customers in the RF Number of users from customer organisations Number of consultations provided 2011 197,500 453,200 More than 511,000 Indicator Number of sales Total starting price (RUB million) Number of participants Number of sales organisers 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 2010 2011 145 414 7,389 A 10,315 72,208 154 1,800 135 826 corporate social responsibility 2011

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