AK BARS BANK’S PRESENTATION Moscow April 28, 2006

3 BANK’S PROFILE Name Registration Type of license Share capital Equity Balance sheet Branches Auditor Profit AK BARS Bank November 29, 1993 General license of the Central bank of the Russian Federation №2590 License of the Central bank of the RF for executing banking operations with precious metals License of Professional securities market participant for brokerage, depositary, dealing operations and securities management activities issued by the Federal Commission of Russia Permission of the State Customs Committee to be a guarantor to customs bodies RR 8 billion = USD 288,7 million (as of ) RR 13,9 billion = USD 502,3 million* (1 USD= 27,7626 RR as of ) RR 78,3 billion = USD 2, 82 billion (as of ) 33 branches and 64 additional offices, 102 outlets (as of ) PricewaterhouseCoopers’ RR 564,2 million (as of ) *- including a subordinated loan

4 MAIN SHAREHOLDERS (as of ) ОАО Tatneft n.a. V.D. Shashin ОАО Nizhnekamskneftekhim ООО Holding Company «Ak Bars» ООО Iks-Luch Others Total — 100 ОАО Svyazinvestneftekhim

5 CLIENTELE BASE. CORPORATE CLIENTS

6 CLIENTELE BASE. PRIVATE CLIENTS

7 Wakhovia Bank, N.A. American Express Bank Ltd Citibank N.A. HSBC Bank USA Rabobank NederlandThe Netherlands UBS AG Bank Hapoalim (Switzerland) LTD BNP PARIBAS (SUISSE) SASwitzerland West LB Standard Bank Great Britain Raiffeisen Zentralbank Oesterreich AG Bank Austria Creditanstalt Austria Komercni Banka, asCzech Republic Commerzbank International S.A.Luxemburg Bankgesellschaft Berlin AGCOMMERZBANK AG Dresdner Bank AG Bayerische Hypo-und Vereinsbank Banco Bilbao Vizcaya Argentaria Banco Sabadell Banco Santander Central Hispano Spain B.C.E.N.-EurobankFrance BRE Bank SAPoland National Bank of Abu DhabiUnited Arab Emirates Nordea Bank Finland PlcFinland Partner BanksCorrespondent BanksCountry Kazakhstan Development Bank of Kazakhstan JSC SwedenSkandinviska Enskilda BankenSvenska Handelsbanken AB Germany China Bank of China BANK’S MAIN FOREIGN CORRESPONDENTS AND PARTNERS

8 RELATIONS WITH EXPORT CREDIT AGENCIES AK BARS Bank has approvals from the following OECD countries ECA’s: OND (Belgium) HERMES (Germany) EGAP (Czech Republic) CESCE (Spain) Ex-Im Bank (USA)

9 BANK’S RATINGS Fitch (as of February 2006): Long TermB+ Short TermB Individual D Support4 OutlookStable Moody’s (as of October 2005): Bank Financial StrengthE+ Bank DepositsBa3/NP OutlookStable

10 Thank you for your kind attention Our address: AK BARS Bank 1 Dekabristov St., Kazan, , Russia S.W.I.F.T.: ARRS RU 2K If any questions, please, contact Deputy Chairman, Moscow Branch Director: Dr. Rustem Khadiullin Phone Fax International Economic Operations: Rinat Yulmetov Phone Fax