Investor Presentaiton

Λ 70 financial results SBERBANK 170 YEARS. BY YOUR SIDE OPERATING INCOME BEFORE PROVISIONS RUB billion 600 436 400 340 200 NET PROFIT ANNUAL REPORT DYNAMICS OF SBERBANK GROUP'S KEY FIGURES OVER THE PAST FIVE YEARS IN ACCORDANCE WITH IFRS RUB billion 743 635 650 300 200 107 98 100 24 182 316 0 0 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 CHARGE / REVERSAL OF PROVISIONS FOR LOAN IMPAIRMENT RUB billion 0 (17.6) 100 (97.9) 200 (153.8) 300 400 (388.9)- OPERATING EXPENSES TO OPERATING INCOME BEFORE PROVISIONS % 1.2 -53.8 50 47.7 40 30 20 20 10 10 46.9 40.9 34.11 0 0 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 OPERATING EXPENSES RUB billion 300 266 208 216 200 183 100 RETURN ON EQUITY % 348 25 22.5 20 20 15 10 5 14.1 3.2 20.6 28.0 0 0 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 2011 71 A financial results

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