1. Results of «Ak Bars» Bank Group in according with IFRS FY’2012

2. 1 AK BARS plays an important role in the economic development of Tatarstan by supporting leading industries in the region AK BARS plays an important role in the economic development of Tatarstan by supporting leading industries in the region Ak Bars is the leading bank in the Republic of Tatarstan (37% of the total assets and 51% of the total capital in the banking sector of the Republic) (1) Ak Bars is the leading bank in the Republic of Tatarstan (37% of the total assets and 51% of the total capital in the banking sector of the Republic) (1) At 31 December 2012 the Tatarstan Republic, through ministries, government agencies and related companies ultimately controlled the Bank. At 31 December 2012 the Tatarstan Republic, through ministries, government agencies and related companies ultimately controlled the Bank. Top-20 bank in Russia: 17th by assets and 16th by capital (2) Top-20 bank in Russia: 17th by assets and 16th by capital (2) AK BARS Bank had 43 branches and 344 other offices (3). The Bank has a broad geographic footprint in 32 regions in Russia (3). AK BARS Bank had 43 branches and 344 other offices (3). The Bank has a broad geographic footprint in 32 regions in Russia (3). AK BARS’s Position in Tatarstan (1) National Bank of Tatarstan, as of January 1, 2013. (2) Profile, as of January 1, 2013. (3) As of December 31,2012.

3. 2 Reputational Importance The Cabinet of Ministers of Tatarstan singled out the Bank as the backbone in the region Shareholders and Role in Tatarstan’s Economy AK BARS Bank plays an important role in the implementation of Tatarstan’s regional policy AK BARS Bank services the largest companies in Tatarstan (KAMAZ, Tattelekom, TAIF) The Bank cooperates closely with the local business community, providing quality service and support Economic Importance Financial Importance Continuous increase in a number of clients indicate a growth of confidence in the Bank. Clients from Tatarstan accounts for 67% of banks’ customer accounts Tatarstan Officials represented on the Board of Directors Midkhat Shagiakhmetov Minister of Economy of Tatarstan Farida Volkova Head of the State Legal Directorate of the President of the Republic Valery Sorokin General Director, OJSC “Svyazinvestneftekhim” AK BARS bank is an official agent of the Government of the Tatarstan Republic. At 31 December 2012 the Tatarstan Republic, a constituent of the Russian Federation, through ministries, government agencies and related companies ultimately controlled the Bank.

4. 3 Among Russia’s top 30 retail banks Retail portfolio represents almost 20% of the total loan book and advances to customers before provision Predominantly focused on consumer and mortgages lending – 44% of retail portfolio respectively Offers a wide range of deposits tailored to serve all client segments AK BARS Bank services 50% of Tatarstan Republic population Principal member of the international MasterCard and VISA payment systems About 787,000 plastic cards issued as of December 31, 2012 949 ATMs, 2,623 POS terminals, over 486 cash advance terminals as of December 31, 2012 Retail Business Retail lendingDepositsPlastic Cards Operations Retail business is the most dynamically growing segment – 2.5mn clients as of December 31, 2012, over 300,000 new clients since 2009)

5. 4 AK BARS Bank had over 51,000 customers Loans to corporate customers represent 80% of total loan book 62% of the corporate portfolio is represented by companies from construction, trade and finance sectors 65% (1) of customer accounts are provided by corporate clients State and public organizations are the largest depositors: 21% of total term deposits Core services investment banking services includes advisory in corporate finance, arrangement and underwriting of debt capital markets transactions, equity and bonds trading, including REPO Corporate business is a key segment – represents 47% of total revenues Corporate Business LendingDepositsInvestment Services (1 ) Including Government-related entities as of December 31, 2012.

6. 5 Asset Analysis Asset Structure (RUB mln / %)Asset Growth (RUB mln) Assets have grown steadily over the last periods Assets growth in 2012 was due to the increase of cash and cash equivalents and loans to customers by 90% and 16% respectively vs. 2011 Loans and advances to customers represent the largest part of assets structure (64%) as of December 31, 2012. CAGR=17.3%

7. 6 Loan Portfolio Loan Portfolio Breakdown Net Loan Portfolio Maturity Profile (RUB m) 54% of the portfolio has a maturity of 1 to 5 years Net Loan Portfolio Breakdown by Industry (%) 2011 The industry breakdown of the portfolio have changed during 2012 due to the change in share of loans granted to finance industries and individuals. 2012

8. 7 Security Portfolio (1) Securities as of December 31, 2012 (RUB m) (1) Security portfolio includes securities at fair value through profit or loss and repurchase receivables Securities as of December 31, 2011 (RUB m)

9. 8 Liabilities / Funding Liabilities Composition (%)Total Liabilities Growth (RUB m) Customer accounts represent the largest part of liabilities (61%) and amounted to RUB 175,315 million as of December 31, 2012. CAGR = 19.8%

10. Liabilities / Funding 9 In September 2012 the Group redeemed syndicated Murabaha facility of USD 60,000 thousand attracted by the Group in September 2011. In December 2012 the Group redeemed medium term Eurobonds with a nominal amount of USD 280,000 thousand issued in December 2009 with maturity date in December 2012 and an interest rate of 10.25% p.a. In July 2012 the Group redeemed its subordinated debt in the amount of RUB 6,670,000 thousand attracted in August 2005 with an interest rate of 9.5% p.a. in accordance with the contractual maturity; and early repaid the subordinated deposit in the amount of RUB 3,000,000 thousand attracted in May 2012 with an interest rate of 8.0% p.a. and maturing in May 2017. In July 2012 the Group issued subordinated Eurobonds in the amount of USD 600,000 thousand with maturity in July 2022 and interest rate of 8.0% p.a. In November 2012 the Group issued medium term Eurobonds with a nominal amount of USD 500 000 thousand with a maturity date in November 2015 and an interest rate of 8.75% p.a.

11. Customer accounts 10 Customer Accounts Maturity Profile (RUB m) The industry breakdown of the customer accounts have changed during 2012 due to the change in share of accounts of government authorities and organisations and financial services. Customer Accounts Breakdown by Industry

12. 1 Capitalisation Total Equity, (RUB in millions)Capital Ratios, (%) As of December 31, 2012 total capital ratio of Bank considerably exceeds the minimal requirements of Basel committee of 8% and amounted to 13.6%

13. 1212 Financial Highlights (RUB in millions) Balance Sheet Variation, 2010-2012 Cash and Equivalents 16 719 Due from other Banks 3 024 Gross Loans 162 452 Provisions (20 275) Net Loans 142 178 Other Assets 22 938 Total Assets 230 808 Due to other Banks10 865 Customer Accounts 126 518 Other Liabilities Total Liabilities 201 339 Equity 29 469 Total Liabilities and Equity230 808 Key Ratios Net Loans / Deposits 112.4% Provisions / Gross Loans 12.5% Deposits / Assets 54.8% Equity / Assets 12.8% Tier 1 Capital Ratio 13.2% Total Capital Ratio 16.2% 20102011 2012 18 948 3 426 194 222 (18 267) 175 955 286 945 40 404 163 543 26 808 107.6% 9.4% 57.0% 9.3% 9.4% 11.8% 286 945 260 137 Securities portfolio (1) Investment properties 31 086 47 323 25 677 14 863 15 617 Subordinated debt Murabaha facility and Eurobonds 1 697 1 916 17 622 6 756 10 462 6 725 Securities issued 37 881 37 088 46.7% 13.5% 17.7% 1.6% 19,8%19,8% 5,2%5,2% (1.3%) 7,4%7,4% (1) Security portfolio includes securities at fair value through profit or loss and repurchase receivables 36 004 3 894 225 113 (20 923) 204 190 317 438 37 455 175 315 2 158 289 015 28 423 317 438 16 573 30 301 26 476 15 251 18 828 40 008 116.5% 9.3%9.3% 55.2%55.2% 9.0% 9.1% 13.6%13.6% 17,3% 85,7% 17,7% 66,9% 19,8% (1,8%) 17,3% (7,0%) 2,8% 12,8%

14. 1313 Financial Highlights (RUB in millions) Net Interest Income Net Fee and Commission Income Other Income Operating Profit Operating Expenses Total Profit before Provisions and Taxes Provision Charge for Loan Impairment Profit Before Tax Income Tax Net Profit 2010 2011 Variation, 2010-2012 Profit and Loss Statement Key Ratios ROA 1.0% - 0.7% ROE 7.7% - 7.2% 2012 5 579 3 903 1 028 1 086 1 355 (3 458) 7 962 1 531 (5 046) (6 345) 2 916 (4 814) (270) 641 2 646 (4 173) (456) 721 2 190 (3 452) 6 440 1 281 4 849 12 570 (7 085) 5 485 (3 116) 2 369 (368) 2 001 7,4% 86,2% 25,6% 18,5% 37,1% 10,2% (5,4%) (4,4%) 11,6% 239,7%