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SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT CONTRIBUTING TO THE ECONOMIC DEVELOPMENT OF THE COUNTRY 2011 126 Λ corporate social responsibility >> planned capacity, which allows us to extend one loan per minute across the entire country. We issued 48,000 loans to small business custom- ers worth a total of RUB 32.3 billion. The Loan Factory has made loan financing truly accessible to micro businesses, and we are going to further expand this segment of our business. There is very high demand for loan financing among small and micro businesses, and we have the capacity to increase financing available to this customer segment many times over. The second product that forms a part of the Revolution segment is the Business Start loan, intended to support small businesses being set up from scratch. We offer our customers around 100 ready-packaged business projects that include both franchise opportunities and proj- ects developed jointly with our medium- and large-sized business customers. We are currently exploring opportunities in collaboration with the Ministry of Defence to create a special loan programme for start-ups launched by retired military personnel. There is very high demand for loan financing among small and micro businesses, and we have the capacity to increase financing available to this customer segment many times over Today the Bank is not only a financial institution but also a service or- ganisation providing a platform for a range of specialised non-financial services. In 2011, as part of another element of our small business ser- vices Transformation-we launched some 50 business development centres in a number of Russian regions. We offer additional services to help our customers register companies, maintain accounting records, prepare tax reports, work with the Pension Fund of the Russian Federa- tion and receive training at Sberbank's business schools. Eventually all these projects will be integrated within a single social network. We expect to complete the first phase of the programme in autumn 2012. The programme will help us create a radically new service platform supporting the creation of at least 25,000 new small businesses per year across the country. The competitiveness and success of small businesses across the coun- try depends on their mobility, which is particularly important in small towns and rural areas. Jointly with Opora Russia, a small- and medium- sized business association, we developed a concept to finance "busi- nesses on wheels". These companies can be any kind of business that can be attached to a vehicle as a trailer to roam the boundless expanses of Russia, such as small bakeries, dental practices, counselling centres or shoe repair shops. We sponsor the Best Mobile Business awards, held annually at the Sochi International Investment Forum. Sberbank plans to further develop this business area jointly with Opora Russia, which plays an essential role providing us with vital information on what small Russian businesses really need. We offer additional services to help our customers register companies, maintain accounting records, prepare tax reports, work with the Pension Fund of the Russian Federation and receive training at Sberbank's business schools Social responsibility is one of the key factors that sets the direction for the Bank's business strategy. To Sberbank, our business strategy and social strategy are inseparable. By actively implementing social programmes, we boost the loyalty of existing customers, thereby shap- ing society's attitude towards the Bank. This in turn helps build our future. For us this is of the upmost importance-a cloudless, bright and interesting future. Λ 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 127 corporate social responsibility

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