1. Presentation Minsk, Republic of Belarus

2. Delay of inflationary processes (inflation for 2011 – 108,7 %, for the 1st quarter of 2012 - 5 %, for April – 1,7 %. Decrease in the rate of refinancing from the beginning of year on 11 % items – up to 34 % per annum as of 16.05.2012) The positive balance of foreign trade for the 1st quarter has made 1,366 billion US dollars (for the 1st quarter of 2011 Belarus had negative foreign trade balance – 2,112 billion US dollars) Stabilization in the currency market (the offer of a foreign currency exceeds demand) The termination of issue lending of the state projects Decrease in inflationary and devaluation expectations of the population and, as a consequence – inflow of deposits in national currency of the population (alongside with foreign – currency deposits) in the Belarusian banks Activization of small and medium business Positive trends in the economy of the Republic of Belarus in the first quarter of 2012 2

3. 1.The GDP volume in the 1st quarter of 2012 has made 105,6 bln. BYR and has increased in comparison with the 1st quarter of 2011 in the comparable prices for 3 % at the forecast for 2012 – the GDP increase on 5 - 5,5 %. (For 2011 GDP has increased to a level of 2010 for 5,3 %). GDP per capita in the 1st quarter of 2012 – 1,4 thousand US dollars (in 2011 - 3,5 thousand US dollars, in 2010 – 5,8 thousand US dollars) 2.The population – 9,5 million people, 70 % – the townspeople. 4,65 million people are engaged in economy. A level of the incorporated unemployment – 0,7 % from economically active population 3.The volume of retail commodity circulation in the 1st quarter of 2012 has made 39 bln. BYR, or 107,7 % to a level of the 1st quarter of 2011. Industrial outputs for the 1st quarter of 2012 has increased in comparison with the 1st quarter of 2010 for 8,3 %. Agricultural production in the 1st quarter of 2012 has increased for 6,1 % in comparison with the 1st quarter of 2011 4. Direct foreign investments (except for banks) in the 1st quarter of 2012 have made 3,9 billion US dollars, that is 1,2 % less, than in the 1st quarter of 2011 (in 2011 - 18,9 billion US dollars, that in 2,1 times more, than for 2010). The basic investors: Russia (40,1 % from all investments), The United Kingdom (32,73 %), Cyprus (5,2 %), Austria (4,6 %). 5. External public debt On 01.04.2012 – 11,9 billion US dollars at the installed limit 14,3 billion US dollars 6. Ratings of Belarus: - Dagong sovereign credit under obligations in national and a foreign currency at level BВ and ВВ-, the forecast – stable - Standard and Poor's a sovereign long-term credit rating at a level «В-», the forecast is stable; short-term – at a level "C". The basic macroeconomic parameters in the 1st quarter of 2012 3

4. Parameters of National Bank of the Republic of Belarus activity in the 1st quarter of 2012 4 Parameters The forecast for January, 1st 2013 In fact as of April, 1 st 2012 International alternate actives of Belarus according to methodology of IMF, billion US dollars 7,92 – 8,33 8,09 The key interest rate at the end of the period /annual interest 20 - 2338,0 Gain of retail deposits in banks of Belarus /in percentage from the beginning of year Gain of corporate deposits in banks of Belarus /in percentage from the beginning of year 24 – 25 21-23 15, 8 - 2,9 Gain of national monetary base/ in percentage from the beginning of year 2 5 -2 8- 25, 1 Gain of consumer prices by December of previous year/percent 1 9 - 2 25,05,0 Gain of banks requirements to economy, in percentage from the beginning of year 17 - 2 34,64,6 Share of distressed assets of banks in assets, subject to credit risk, in percentage No more than 84,35

5. Parameters of RDB-BANK (under national standards) Parameters of safe functioning Requirement criterion 201020111-05-2012 Regulatory capital (mln, euro)> 2528,813,515,7 Sufficiency of regulatory capital> 838,726,831,5 Short-term liquidity> 12,11,41,5 Parity of liquid and total assets> 20%32%47,8%48,5% Assets and liabilities of BankUnit201020111-05-2012 Bank profitMln, US dollars4,772,040,8 Bln, BYR14,317,06,8 Return on assets%5,12,42,1 Return on equity%18,817,516,6 Credit portfolioMln, US dollars794036 Bln, BYR237337291 Customer depositsMln, US dollars62 67 Bln, BYR186519542 Defaulted debtsMln, US dollars0,770,540,32 Bln, BYR2,34,52,6

6. As of April, 1st, 2012 317 551 subject of small business is registered in Belarus, that on 2,1 % is more in comparison with the beginning of the year. Number of individual enterpreneurs as of April, 1st, 2012 has made 223 582 person, having increased on 4 297 person in comparison since January, 1st, 2012. The wide network of infrastructure subjects of small and medium business supporting operates now in Belarus: 77 business support centers and 16 incubators of small enterpreneurship. On January, 1st 2011 the Decree №450 “ About licensing of dedicated branches of activity “has come into force. By this Decree the licensing of 16 branches of activity was cancelled, as a result of which more than 30 % of operating business of Belarus are released from reception of licenses. According to the accepted by the President of the Republic of Belarus Instruction №4 ” About progress of the enterprise initiative and stimulation of business activity in Belarus “, state and private enterprises are in equal conditions The President of the Republic of Belarus has set the task on Belarus ocurrence in the TOP-30 countries with the best conditions for business dealing by 2015, in the TOP-50 countries of the world on a level of economic freedom. ( Now Belarus takes 69-th place in the report of World bank and IFC « Business dealing - 2011 » (in 2010 – 58 place). 6 The environment of business functioning Activization of SME

7. SME crediting centers Joint-Stock Company " RDB-BANK " has 17 crediting centers in 14 Belarusian largest towns that allows to capture up to 70 % of task force Minsk and Minsk region Minsk, Borisov, Molodechno Brest region Brest, Baranovichi Grodno region Grodno Gomel region Gomel, Zhlobin, Mozyr Mogilev region Mogilev, Bobruisk Vitebsk region Vitebsk, Orsha, Novopolotsk 92 % of SME credit portfolio are generated due to resources of Bank

8. Resources for SME Resources200820092010201101.05.2012 EBRD resources 3,0 2,11,30,9 Bank resources 3,65,914,610,19,7 Total 6,68,916,711,410,6 Projects of current month: _________________________________________ Umabel600 000., $ Agrotech170 000., $ RD Group 285 000., $ Register250 000., $ Malkut130 000., $ RSM Tracks 175 000., $ _________________________________________ 92% of SME credit portfolio are generated due to resources of Bank Stable demand for credits from SME is kept at a level of the offer of 11 % interest rates annual. Active participation of Bank in the given segment will allow to increase the credit portfolio in 2 times up to the end of 2012 and to reach a parameter of 20,2 million US dollars.

9. Business is ready for active progress Bank is ready for active crediting For more successful functioning of “RDB-BANK”, finishing up to the normative requirement of its capital (25 million euro), as well as satisfaction of growing demands of the Belarusian business in credits by bank, financial resources are necessary. Bank is ready for active crediting, business is ready for active progress.

10. Thanks for attention Reporter: Retail banking director of Joint-Stock Company “RDB-Bank” Sergey Tsybulin The material is prepared by: Marketing and client service management E. Narkevich Department of the economic analysis and the finance O. Kirdeeva 18 Krasnozvezdnaya str., Minsk, Republic of Belarus 220034 Теl: +375 17 269 23 25 market@rrb.by Теl: +375 17 269 23 83 kirdeeva@rrb.by