1 Sberbank Europe – Building Bridges to Eastern Business Clemens Pramböck 25 October 2013

2 Kazakhstan SB JSC Sberbank ● 100.0% stake ● 1.0% of Group’s assets ● # 6 by assets ● 4,6% market share by assets Ukraine Sberbank of Russia JSC ● 100.0% stake ● 0.6% of Group’s assets ● 1.8% market share by assets Belarus Central & Eastern Europe Sberbank Europe AG ● 100.0% stake.(2,2% of Group’s assets) ● Headquartered in Austria; 280 branches in 8 countries: Croatia, Czech Republic, Slovakia, Bosnia-Herzegovina, Hungary, Slovenia, Serbia and Ukraine JSC BPS-Sberbank ● 97.9% stake ● 0.8% of Group’s assets ● # 3 by assets ● 9,8% market share by assets DenizBank AS ● 99.85% stake ● Headquartered in Turkey ● Nearly 600 branches; 2,370 ATMs; 110,324 POS terminals Turkey Representative offices: ● Germany ● China Trading platforms: ● London ● New York Branch: ● India Wholly-owned subsidiary: ● Sberbank (Switzerland) AG Sberbank Group – the largest bank of Russia  Sberbank of Russia is the largest bank in Russia that accounts for almost one third of all Russian banking sector assets.  The Central Bank of the Russian Federation is the founder and major shareholder of Sberbank, owning 50 % of the total share capital plus one voting share. Other shares are held by more than 245,000 individual and institutional investors in Russia and internationally.  In February 2012, Sberbank completed the acquisition of Volksbank International AG.  In September 2012, Sberbank completed the acquisition of DenizBank AS which is ranked 6th among private and 9th among all Turkish banks by consolidated total assets.

3 Sberbank of Russia: Ownership Structure & Key Financials Key Financials (as of )  Assets, total: EUR bn  Equity, total: EUR 39.6 bn  Gross loans to corporates: EUR 200,7 bn  Gross loans to individuals: EUR 69.2 bn  Net income: EUR 8.4 bn  ROA: 2,7 %  ROE: 24,2 %  Net Interest Margin: 6,1%  Tier I CAR (Basel 1): 10,4%  Total CAR (Basel 1): 13,7% Central Bank of Russia 50.00% + 1 ordinary share Free Float 50.00% - 1 ordinary share 7.58% sold by the CBR (Central Bank of Russia) Domestic Institutional 4.1% Domestic Retail 4.5% 33.8% Foreign Institutional Central Bank of Russia 50.0% + 1 share Free float Ownership Structure SOURCE: latest audited IFRS financial statements, as of Dec. 31, Exchange rate as of Apr. 16, 2013: EUR 1 = RUB

4 EuropeBRICWorld (by ROE – 5Y Avg.) 1 1 Among top-50 world banks by market capitalization as of April 23, 2013; Average ROE for the past 5 years SOURCE: Bloomberg as of Apr 8, 2013, latest audited IFRS financial statements, except local GAAP for Indian banks and Banco do Brazil Sberbank - one of the largest banks Market capitalization as of April 2013, in USD billion

5 (1)Including branches and other outlets (2)Includes VTB24, Transcreditbank and Bank of Moscow (3)Counting only retail transactions that can be executed in person at a branch or remotely Source: Rosstat, Sberbank’s operating statistics and calculations on the basis of statistics from CBR as of 31-Dec Sberbank operating statistics for the respective periods. Largest Branch Network Among Russian Banks by Fat 1 Notable facts as of March-2013 Sberbank’s share of Russia’s banking sector ▪Retail clients, out of a total population of ~143 m >110 m ▪ATMs and self-service terminals - one of the largest single bank-owned networks globally >78,000 ▪Retail transactions executed via remote channels3 82% ▪Corporate lent to clients out of 4.3m businesses in Russia >1.0 m ▪Transactions processed for individual clients annually ~2 bn ▪Visitors to Sberbank’s outlets daily ~4 m ▪Active mobile banking users >10 m ▪“Sberbank Online” active users >6 m Sberbank’s distribution, scale and market position in Russia

6 Facts & Figures – Sberbank Russia and Sberbank Europe Sberbank Russia 110 million retail customers 1 million corporate clients USD 586 billion (EUR 368,4 bn) total assets employees in Russia in subsidiaries Sberbank Europe retail customers micros and corporate clients EUR 9,9 billion total assets employees in CEE

Branches48 Employees542 AssetsEUR 226 m Year of foundation Branches24 Employees662 AssetsEUR m Year of foundation Branches12 Employees209 AssetsEUR 1.082m Year of foundation Branches31 Employees432 AssetsEUR m Year of foundation Branches25 Employees342 AssetsEUR 346 m Year of foundation Branches26 Employees506 AssetsEUR 891 m Year of foundation Branches53 Employees687 AssetsEUR m Year of foundation Branches41 Employees586 AssetsEUR m Year of foundation1991 Sberbank Croatia Sberbank Slovenia Sberbank Czech Republic Sberbank Slovakia Sberbank Ukraine Sberbank Serbia Sberbank Bosnia- Hercegovina 2013 Branches21 Employees248 AssetsEUR 342m Year of foundation2007 Sberbank Banja Luka Sberbank Europe Group: 9 countries – 280 branches – 4,500 employees Hungary

8 Sberbank in CEE Trade Finance Centers Trade Finance is represented in all SBEU countries, with dedicated and experienced Trade Finance staff. Prague, Czech Republic Bratislava, Slovak Republic Budapest, Hungary Vienna, Austria Ljubljana, Slovenia Zagreb, Croatia Sarajevo, Bosnia & Herzegovina Belgrade, Serbia

9 Istanbul, Turkey Sberbank in Russia & CIS countries Trade Finance Centers Minsk, Belarus Siberian centers in Russia: -Yekaterinburg -Irkutsk -Khabarovsk -Krasnoyarsk -Magadan -Novosibirsk -Perm -Tyumen European centers in Russia: -Moscow (Head office + Moscow Bank) -St. Petersburg -Bryansk -Nizhniy Novgorod -Rostov-Na-Donu -Samara -Stavropol -Voronezh -Yaroslavl Kiev, Ukraine Almaty, Kazakhstan Nearly every city/small town/village in Russia has a presence of Sberbank and, thus, access to the banking products of Sberbank and to the knowledge of dedicated centers of competence.

10 Trade Finance Product Offer Corporate Product Offer Overdraft facilities Term Loans Pre-export finance Real Estate finance Acquisition finance … Global Markets Product Offer F/X Hedging Interest Rate Hedging Commodity Hedging Structured Deposits Securities Trading / Brokerage Debt Capital Markets Documentary Collections Accounts & Payment Services in local currency, EUR, USD and RUB Letters of CreditGuarantees Supply Chain Finance ECA-covered transactions Purchase of Receivables What is it that interests you most?

11 Payment request Trade Finance Documentary Business Buyer (Importer) Buyer (Importer) Seller (Exporter) Seller (Exporter) Buyer's bank (Issuing bank) Buyer's bank (Issuing bank) Seller's bank (Paying bank) Seller's bank (Paying bank) Product shipment L/C is advised/ confirmed Letter of Credit (МТ 700) Documents Issuing L/C Documents check Payment Documents presentation Check of documents Paid documents Payment Pre-contractual work Application for L/C

12 Trade Finance ECA-covered Transactions L/C is issued Sberbank Hungary AGREEMENT Hungarian exporter MEHIB Prepayment min 15% Delivery Insurance agreement L/C documents are provided Payment of up to 85% Buyer's bank Interbank agreement Application for L/C Loan agreement L/C is issued Loan repayment Loan (debt invoicing) Loan repayment Foreign Importer

13 Our partners in international trade

14 Contact Details Csaba Simon Head of Trade Finance T +36 (1) F +36 (1) Tibor Hipszki Senior Manager T +36 (1) F +36 (1)