Sberbank Europe Building Bridges to Eastern Business Clemens

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

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 Deniz. Bank AS which is ranked 6 th among private and 9 th among all Turkish banks by consolidated total assets. 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 Representative offices: ● Germany ● China Trading platforms: ● London ● New York Branch: ● India Wholly-owned subsidiary: ● Sberbank (Switzerland) AG Ukraine Sberbank of Russia JSC ● 100. 0% stake ● 0. 6% of Group’s assets ● 1. 8% market share by assets Belarus JSC BPS-Sberbank ● 97. 9% stake ● 0. 8% of Group’s assets ●# 3 by assets ● 9, 8% market share by assets Kazakhstan SB JSC Sberbank ● 100. 0% stake ● 1. 0% of Group’s assets ● # 6 by assets ● 4, 6% market share by assets Turkey Deniz. Bank AS ● 99. 85% stake ● Headquartered in Turkey ● Nearly 600 branches; 2, 370 ATMs; 110, 324 POS 2 terminals

Sberbank of Russia: Ownership Structure & Key Financials Ownership Structure Domestic Institutional 4. 1% Domestic Retail 4. 5% Free float 50. 00% 1 ordinary share 33. 8% Foreign Free Float Institutional 50. 00% + 150. 0% ordinary share + 1 share Central Bankof of Russia Key Financials (as of 31. 12. 2012) § Assets, total: EUR 368. 4 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% 7. 58% sold by the CBR (Central Bank of Russia) 3 SOURCE: latest audited IFRS financial statements, as of Dec. 31, 2012. Exchange rate as of Apr. 16, 2013: EUR 1 = RUB 40. 9774

Sberbank - one of the largest banks Market capitalization as of April 2013, in USD billion Europe BRIC World (by ROE – 5 Y Avg. )1 4 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’s distribution, scale and market position in Russia Largest Branch Network Among Russian Banks by Fat 1 Sberbank’s share of Russia’s banking sector Notable facts as of March-2013 >110 m ▪ Retail clients, out of a total population of ~143 m >78, 000 ▪ ATMs and self-service terminals - one of the largest single bank-owned networks globally 82% ▪ Retail transactions executed via remote channels 3 >1. 0 m ▪ Corporate lent to clients out of 4. 3 m businesses in Russia ~2 bn ▪ Transactions processed for individual clients annually ~4 m ▪ Visitors to Sberbank’s outlets daily >10 m ▪ Active mobile banking users >6 m ▪ “Sberbank Online” active users (1) Including branches and other outlets (2) Includes VTB 24, 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-2012. Sberbank operating statistics for the respective periods. 5

Facts & Figures – Sberbank Russia and Sberbank Europe Sberbank Russia Sberbank Europe 110 million 490. 000 retail customers 1 million corporate clients USD 586 billion (EUR 368, 4 bn) retail customers 62. 000 micros and 17. 000 corporate clients EUR 9, 9 billion total assets 249. 000 4. 500 employees in Russia employees in CEE + 41. 000 in subsidiaries 6

Sberbank Europe Group: 9 countries – 280 branches – 4, 500 employees Sberbank Czech Republic Sberbank Ukraine Sberbank Slovakia 2013 Branches Employees Assets Year of foundation 24 662 EUR 2. 430 m 1993 2013 Branches Employees Assets Year of foundation 41 586 EUR 1. 748 m 1991 48 542 EUR 226 m 2007 Sberbank Slovenia 2013 Branches Employees Assets Year of foundation 12 209 EUR 1. 082 m 1993 Hungary Sberbank Croatia 2013 Branches Employees Assets Year of foundation 31 432 EUR 1. 082 m 1997 Sberbank Bosnia. Hercegovina Sberbank Banja Luka Sberbank Serbia 2013 Branches Employees Assets Year of foundation 21 248 EUR 342 m 2007 53 687 EUR 1. 893 m 1993 2013 Branches Employees Assets Year of foundation 25 342 EUR 346 m 2000 Branches Employees Assets Year of foundation 26 506 EUR 891 7 m 2003

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

Sberbank in Russia & CIS countries Trade Finance Centers European centers in Russia: - Moscow (Head office + Moscow Bank) - St. Petersburg - Bryansk - Nizhniy Novgorod - Rostov-Na-Donu - Samara - Stavropol - Voronezh - Yaroslavl Siberian centers in Russia: - Yekaterinburg - Irkutsk - Khabarovsk - Krasnoyarsk - Magadan - Novosibirsk - Perm - Tyumen Minsk, Belarus Kiev, Ukraine Istanbul, Turkey 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 9 centers of competence.

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

Trade Finance Documentary Business 1 1 Buyer (Importer) Seller (Exporter) Pre-contractual work 6 Product shipment Application for L/C Documents presentation 2 7 5 10 14 Payment L/C is advised/ confirmed Paid documents Issuing L/C Check of documents 4 9 13 Payment Letter of Credit (МТ 700) 3 Buyer's bank (Issuing bank) 11 Payment request 12 Documents Seller's bank (Paying bank) Documents check 8 11

Trade Finance ECA-covered Transactions AGREEMENT 1 4 L/C documents are provided L/C is issued Loan agreement 10 MEHIB Payment of up to 85% nce ra nsu nt me e e agr 2 5 Loan repayment 9 Loan (debt invoicing) Delivery 8 7 Foreign Importer Prepayment min 15% Application for L/C Hungarian exporter 10 11 I 3 Interbank agreement Sberbank Hungary L/C is issued Loan (debt invoicing) Loan repayment 2 6 Buyer's bank 10 11 12

Our partners in international trade 13

Contact Details Csaba Simon Head of Trade Finance T +36 (1) 327 8895 F +36 (1) 328 6576 csaba. simon@volksbank. hu Tibor Hipszki Senior Manager T +36 (1) 328 6344 F +36 (1) 328 6576 tibor. hipszki@volksbank. hu 14