2014

The Bank was established in General license №1942 dated issued by the Central Bank of Russia. In 2008 the Bank became a member of VEB Group % of the Bank’s shares belong to the State Corporation “Bank for Development and Foreign Economic Affairs (Vnesheconombank)’’. GLOBEXBANK – is a universal bank rendering a wide range of banking products and financial services to the corporate clients and individuals. The Bank actively cooperates with OJSC “Russian Bank for Small and Medium Enterprises Support” (SME Bank) extending loans to small and medium-sized enterprises. The Bank offers a wide range of customized products to such clients. The Bank extends housing mortgage loans in accordance with terms and conditions of the Federal Program for housing mortgage lending within the standards of the Agency for Housing Mortgage Lending (AHML). GLOBEXBANK’s auditor is “ERNST & YOUNG”. The Bank is the participant of the Russian Mandatory Deposit Insurance System. GLOBEXBANK in brief 2

3 Strong relationship and support from VEB Conservative capital and funding policy Rapidly expanding customer base and regional network Strategic relationship with key major Russian corporates Diversified business model with universal servicing platform Strong financial performance with high-quality loan portfolio

GLOBEXBANK in brief 4 Regional network 70 offices in 5 Federal Districts (Central Federal District, Northwestern Federal District, Southern Federal District, Siberian Federal District, Privolzhsky Federal District).

LICENSES ISSUED BY THE CENTRAL BANK OF THE RUSSIAN FEDERATION: General license №1942 dated to perform banking operations License №1942 dated to perform banking operations with precious metals LICENSES ISSUED BY THE FEDERAL FINANCIAL MARKETS SERVICE: Licenses of the Professional Securities Market Participant: License № dated to perform brokerage operations License № dated to perform dealing operations License № dated for portfolio management Many other Licenses for various kinds of banking activity (see the site of GLOBEXBANK - GLOBEXBANK in brief 5

6 Shareholder structure Close relation to the Russian government through 99.99% VEB ownership Strong VEB support and supervision VEB liquidity support – RUB 15bn credit line and 2 subordinated loans totaling RUB 10bn 7 directors of the Board are from VEB Strong BoD Expertise – all directors have an established track record and experience in banking Board of Directors Vladimir Dmitriev Chairman of the Board, VEB Chairman of the Board, GLOBEX 39 years of experience Nikolay Kosov First Deputy Chairman, VEB Deputy Chairman, GLOBEX 37 years of experience Alexander Gruzinov Director of Banking Security Dept, VEB Member of the Board, GLOBEX 41 years of experience Vladimir Minin Chief of Department of Subsidiary Banks, VEB Member of the Board, GLOBEX 19 years of experience Alexander Zelenov Director of FI Dept, VEB Member of the Board, GLOBEX 37 years of experience Vitaly Vavilin Member of the Board, GLOBEX President of GLOBEX 24 years of experience Oleg Nikanov First Vice President, GLOBEX 13 years of experience Yulia Karpova Deputy Chairman, VEB Member of the Board, GLOBEX 22 years of experience Vladimir Kadannikov Member of the Board, GLOBEX 37 years of experience Anatoly Ballo Deputy Chairman, VEB Member of the Board, GLOBEX 31 years of experience

MANAGEMENT BOARD 7 CORPORATE GOVERNANCE Vitaly VavilinPresident of GLOBEX, Chairman of the Board Oleg NikanovFirst Vice President Sergey AldukhovSenior Vice President Svetlana LebedevaSenior Vice President Larisa Sulatskaya Head of “Rostovsky” Branch Sergey Filippov Senior Vice President Vladimir YatsenkoSenior Vice President

8 GLOBEXBANK’S STRATEGY OF DEVELOPMENT UP TO 2024 In accordance with the current strategy of development of GLOBEXBANK the main task of the Bank is to increase its market capitalization with the profitability of the capital of 15%. In accordance with the strategic goals set up for the increase of the capitalization of GLOBEX, the Bank is focusing on diversification of its assets and funding base as well as on increase of transparency of the corporate management. The main guidelines for realization of the Bank’s strategy: Provision of the most satisfying level of banking services to the biggest corporate customers of the Bank. Diversification of business – the increase of stability of the funding base of the Bank through decreasing of high share of the largest branches of industries in the Bank’s assets, development of active transactions in the most profitable clients’ segments: loans to small and medium-sized enterprises, loans to retail customers. Development of retail business – rendering of complex banking services to the personnel of the corporate customers and to the market customers of the Bank, increase of the share of high-margin retail products, which profitability is higher than in corporate business.

9 GLOBEXBANK’S STRATEGY OF DEVELOPMENT UP TO 2024 KEY TARGET INDICATORS: 9

10 DYNAMICS OF KEY FINANCIAL INDICATORS OF GLOBEXBANK Financial Indicators (RUB mln.) Total assets Shareholders’ equity * Profit (EARD) * Calculated in accordance with the Regulations of the Central Bank of the Russian Federation No.215-P

11 STRUCTURE OF CORPORATE LOAN PORTFOLIO as of , %

12 DYNAMICS OF SECTORAL STRUCTURE OF LOAN PORTFOLIO, % Trading Construction and real estate Energy infrastructure Leasin g Other

13 THE LARGEST BORROWERS IN 2013 Name of the Borrower SectorCredit line, RUB mln PLC “TransFin-М”Leasing1 100 OJSC “Меtallservice”Storage and processing of metal products1 400 OJSC “Rostelecom”International communications services4 800 CJSC ISK “Soyuz-Seti”Building in Power Engineering900 CJSC “LenSpetzSMU”Building industry1 200 CJSC “Clothes 3000”Retail trading of clothes500 CJSC “Еvroplan”Leasing2 500 CJSC “Меtallcomplect- М” Trading of steel products700 ООО “FPK Satory”Construction500 PLC “Leasing Company Uralsib”Leasing500 PLC “SGK-Аutomation” Infrastructuring of oil and gas fields1000 OJSC Air Company “UT-Air”Air transportation1000

14 INTERNATIONAL CREDIT RATINGS OF GLOBEXBANK FITCH RATINGS Long-Term/Short-Term Issuer Default Ratings: BB-/B Viability Rating: b- Support Rating: 3 National Long-Term Rating: A+(rus) Negative Outlook STANDARD & POOR’S Long-Term/Short-Term Rating: BB-/B National Scale Long-Rerm Rating: ruAA-» Negative Outlook

15 INTERNATIONAL BUSINESS Cooperation of GLOBEXBANK with foreign banks and international financial institutions Total volume of credit risk limits set up by foreign banks on GLOBEXBANK for the purpose of realization of trade and project finance deals amounts to more than USD 650 mln. Total volume of credit risk limits set up on GLOBEXBANK by Export Credit Agencies exceeds USD 500 mln. The Bank cooperates with Export Credit Agencies such as Euler Hermes, SACE, Attradius, The Belgian Export Credit Agency, EDC, EGAP, KUKE etc. GLOBEXBANK actively cooperates with the leading foreign financial institutions such as Commerzbank AG, Deutsche Bank AG, Credit Suisse AG, UBS AG, Raiffeisen Bank International AG, HSBC, ING Bank N.V., Banque de Commerce et de Placements-BCP, Bank of China, EximBank of Korea etc. GLOBEXBANK actively works in the field of trade and project finance with foreign banks from Germany, Austria, Switzerland, Netherlands, Italy, France, China, Turkey etc.

16 INTERBANK BUSINESS AREAS OF COOPERATION Based on a long period experience of work with the commercial banks on various financial markets GLOBEXBANK offers cooperation in traditional areas of interbank business to its banks-partners: Settlements through correspondent accounts opened in GLOBEX in Russian Roubles and foreign currencies Currency conversion operations Interbank lending operations Besides, the Bank offers cooperation in other areas of interbank business to its banks-partners : Security Market operations Documentary оperations Non-trading operations

17 INTERBANK BUSINESS CORRESPONDENT RELATIONSHIP As of January 01, 2014 NOSTRO correspondent network of GLOBEXBANK comprised 24 correspondent banks in Russia and abroad. GLOBEX maintains 62 correspondent accounts opened in Russian Rubles, foreign currencies and accounts for operations with precious metals. As the result of constant work with the prime correspondent banks GLOBEX is able to offer and provide the most efficient and time-effective settlements to its customers. THE MAIN CORRESPONDENT BANKS OF GLOBEX: The main compete advantages of GLOBEXBANK include fast and efficient settlements with prolonged cut-off time for payment orders, the possibility to conduct settlements in 128 currencies, low payments fees and commissions, attractive interest rates on account balances (with no trigger balance requirements), flexible approach towards the respondent banks’ needs and requests.

18 INVESTMENT BANKING ACTIVITIES SERVICES IN INVESTMENT BANKING : Оrigination of bond issues Underwriting (Russian bonds market, Eurobonds) Syndicated loans underwriting and origination Debt capital origination M&A deals BONDS ISSUED BY THE BANK IN FIGURES: SeriesБО-4 БО-6БО-7 БО-9 Stock Exchange МICEX MICEX Identification number4В В4В В4B B 4В В Quantity, mln. bonds3255 Face value, thousand of RUB1000 Volume of issue, RUB mln Maturity date Оffer paid paid Coupon, %9,259,259,259,258,25 The bonds are included in the Lombard List of the Central Bank of the Russian Federation.

19 PRODUCTS AND SERVICES Products and services for private customers Term deposits Bank cards Consumer lending Housing mortgage lending Car lending Safety deposit boxes Currency exchange operations Money transfers Memorable coins Current accounts Bills Precious metals accounts Products and services for corporate customers Loans and financing Bank cards Cash and Settlements Bank guarantees and Letters of Credit Brokerage Pension-savings programs Internet banking Distance Banking Services Hedge of currency risks Bills, deposits and certificates International Business Products Import and export Letters of Credit Bank guarantees, counter- guarantees and “Stand-by” Letters of Credit Trade finance Project finance Financial consulting services to the customers on foreign economic matters «GLOBEX PREMIUM» Products Premium banking products and services VIP servicing in special offices of the Bank Companies-partners’ programs

20 Head Office: 59, Zemlyanoy Val str., bld.2, Moscow, Russia Tel.: (495) Fax: (499)