Investor Presentaiton

Card business Number, turnover and balances RUB, bln. Competitive ATM infrastructure Moscow region cities & towns, number 167 100 177 79 80 67 000'acc 16 1120 15 1050 14 credit turnovers, RUB bln. 162 980 13 Sberbank number of accounts, '000 acc. 910 12 840 11 accounts balances, RUB bln. 770 10 700 9 630 896543210 560 7 490 420 350 comparison, % 280 210 140 70 0 Bank Vozrozhdenie 2002 2003 2004 2005 2006 2007 2008 109 April Card business expansion Q3 2007 Q2 2008 Q3 2008 · Payrolls 4,000 7000 7,300 133 139 July November Target 2009-10 Credit Card development strategy • Offering cards only to existing clients. • - top and mid-level managers and specialists Pushing cross-sales between retail and corporate More active credit cards Exceptionally low loan losses Debit cards 916,620 1,070,160 1,070,160 . Credit cards 53,580 88,785 88,785 . VOZROZHDENIE BANK 10

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