Investor Presentaiton

266 GRI content index >> SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT Report page/comment/reference 3.10 GRI disclosure/indicator (as defined by the GRI Guidelines) Explanation of the effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement About this Report 4.11 No re-statements have been made. 3.11 Significant changes from previous reporting periods in the scope, boundary, or measurement methods applied in the report About this Report 3.12 3.13 Table identifying the location of the Standard Disclosures in the report Policy and current practice with regard to seeking external assurance for the report There have been no significant changes from previous reporting periods. Page 264 4.12 Externally developed economic, environmental, and social charters, principles, or other initiatives to which the organisation subscribes or endorses. GRI disclosure/indicator (as defined by the GRI Guidelines) Explanation of whether and how the precautionary approach or principle is addressed by the organisation Report page/comment/reference Risk Management The Bank does not apply the precautionary principle to its activities directly. Ensuring Accessibility of Banking Services 4.13 About this Report Memberships in associations (such as industry associations) and/or national/international advocacy organisations The Report corresponds to GRI Application Level B and has not 4.14 4.1 undergone external assurance. Governance Structure List of stakeholder groups engaged by the organisation 4.15 Basis for identification and selection of stakeholders with whom to engage Approaches to stakeholder engagement, including frequency of engagement by type and by stakeholder group. Sberbank's Position in the Financial Market Contributing to the Economic Development of the Country About this Report About this Report Improving Product and Service Quality Investing in Human Capital Improving Corporate Governance 42 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 Governance structure of the organisation, including committees under the highest governance body responsible for specific tasks, such as setting strategy or organisational oversight Indicate whether the Chair of the highest governance body is also an executive officer For organisations that have a unitary board structure, state the number of members of the highest governance body that are independent and/or non-executive members Mechanisms for shareholders and employees to provide recommendations or direction to the highest governance body Linkage between compensation for members of the highest governance body, senior managers, and executives (including departure arrangements), and the organisation's performance (including social and environmental performance). Processes in place for the highest governance body to ensure conflicts of interest are avoided. Process for determining the qualifications and expertise of the members of the highest governance body for guiding the organisation's strategy on economic, environmental, and social topics Internally developed statements of mission or values, codes of conduct, and principles relevant to economic, environmental, and social performance and the status of their implementation Procedures of the highest governance body for overseeing the organisation's identification and management of economic, environmental, and social performance, including relevant risks and opportunities, and adherence or compliance with internationally agreed standards, codes of conduct, and principles Processes for evaluating the highest governance body's own performance, particularly with respect to economic, environmental, and social performance. Governance Structure Improving Corporate Governance Improving Corporate Governance I Ask for the Floor: A Conversation with the CEO Remuneration of Members of the Bank's Governing Bodies Improving Corporate Governance Organisational Structure Supervisory Board Committees Members of the Management Board hold academic degrees and possess professional experience which demonstrate their expertise and high qualifications, particularly with regards to economic, environmental, and social topics. Improving Product and Service Quality 4.16 4.17 Key topics and concerns that have been raised through stakeholder engagement, and how the organisation has responded to those key topics and concerns, including through its reporting Economic Performance Indicators EC1 EC2 EC3 EC4 Improving Product and Service Quality Risk Management EC5 Improving Corporate Governance Governance Structure Management approach Contributing to the Economic Development of the Country Improving Product and Service Quality Investing in Human Capital Improving Corporate Governance Direct economic value generated and distributed, including revenues, operating costs, employee compensation, donations and other community investments, retained earnings, and payments to capital providers and governments Financial implications and other risks and opportunities for the organisation's activities due to climate change Coverage of the organisation's defined benefit plan obligations Significant financial assistance received from government Range of ratios of standard entry level wage compared to local minimum wage at significant locations of operation Retail Business Corporate Business Financial Market Operations Dynamics of Sberbank Group's Key Figures over the Past Five Years in Accordance with IFRS (partially) Carbon Finance and Financing Energy Efficiency and Energy Saving Projects Investing in Human Capital The Group applies IAS 19 Employee Benefits for accounting for its pension liabilities. Actuarial Report for 2010: http://www.npfsberbanka.ru/netcat_ files/File/actuarial2010.pdf Financial Performance EC6 Policy, practices, and proportion of spending on locally- based suppliers at significant locations of operation EC7 Procedures for local hiring and proportion of senior management hired from the local community at locations of significant operation 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU 267 A GRI content index 2011

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