Investor Presentaiton

Balance sheet changes quarterly Liquidity cushion used for business support RUB bln Cash & equivalent 137 132 18 117 16 111 8 S 10 18 100 15 8 20 93 3665 2 20 9 5 7 8 18 7 5 17 15 16 Due from other banks Clients funds still the major funding source RUB bln 82 137 132 117 111 43 41 43 100 93 33 Retail deposits Retail accounts 39 36 13 Corporate accounts 14 34 34 Corporate Securities 82 7 12 5 32 32 30 12 13 27 26 26 11 Retail loans 75 84 75 10 6 10 24 24 23 21 19 20 20 22 22 deposits ■ Securities issued ■Syndicated loans 59 51 62 62 62 72 65 Corporate loans 13 17 9 Subordinated 10 8 CO 6 7 7 8 7331 7335 ■Other assets 11 11 12 4 4 5 5 5 5 7 13 4 M 8335 5 loans Other Liabilities 13 13 14 ■ Equity 6 Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 VOZROZHDENIE BANK Q1 2007 Q2 2007 Q3 2007 Q4 2007 Q1 2008 Q2 2008 Q3 2008 12

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