2Sberbank of Russia in Brief Foundation: 1841Largest Branch Network:Employees: 246 thsRetail clients: ~ 106 mlnATM and self-service terminals: >Retail transactions executed via remote channels: 83%Russian market share:28 % - by Assets32 % - by Corporate Loans32% - by Retail Loans45 % - by Retail Deposits28% - by EquityAs of 01/07/2013
3Sberbank of Russia: Ownership Structure & Key Financials Ownership Structure (Sberbank Group)Key Financials, as of July 01, 2013*Domestic Retail3.7%Domestic Institutional2.3%Assets, total: EUR 335 bnEquity, total: EUR 41 bnCorporate loans : EUR 176 bnRetail loans : EUR 66 bnRetail deposits: EUR 167 bnNet profit: EUR 4.5 bnROAA: 2.8%ROAE: 22.4%Cost/Income ratio: 38.5%Free float50.00% -1 ordinary share50.00% +1 ordinary share44.0%Foreign InstitutionalCentral Bank of Russia50.0%+ 1 shareFree FloatCentral Bank of RussiaSource: Company’s website (www.sberbank.ru), Bank of Russia website (www.cbr.ru )* at Central Bank of Russia RUR/EUR exchange rate for 01/07/2013
4Sberbank Group: Broad Geographical Coverage Central & Eastern EuropeSberbank Europe AG100.0% stake2.7% of Group’s assetsHeadquartered in Austria; 270 branches in 8 countries: Croatia, Czech Republic, Slovakia, Bosnia-Herzegovina, Hungary, Slovenia, Serbia and UkraineUkraineSberbank of Russia JSC - to be merged with Volksbank Ukraine100.0% stake0.8% of Group’s assets#8 by assets2.7% market share by assetsRepresentative offices:GermanyChinaTrading platforms:LondonNew YorkBranch:IndiaWholly-owned subsidiary:Sberbank (Switzerland) AGBelarusKazakhstanTurkeyJSC BPS-Sberbank97.9% stake0.8% of Group’s assets#3 by assets9.7% market share by assetsSB JSC Sberbank99.99% stake1.1% of Group’s assets#5 by assets6.1% market share by assetsDenizBank AS99.85% stake6.9% of Group’s assetsca. 623 branches; 3,357 ATMs; 126,863 POS terminalsSource: Sberbank’s unaudited quarterly IFRS financial statements for 1H2013, Sberbank’s operational data as of 01/07/2013, Sberbank’s and subsidiaries’ ranks and market shares based on the respective central banks’ data
5Subsidiaries of Sberbank Europe AG in brief Today nine banks of Sberbank Europe AG operate in 8 European countriesYear of FoundationTotal Assets, mln euroBranchesEmployeesSberbank, Slovakia19911 97141625Sberbank, Czech Republic19932 57522706Volksbank, Hungary1 78852696Sberbank, Slovenia1 50412229Sberbank, Croatia19971 22130445Sberbank, Bosnia and Herzegovina200038826Sberbank, Banja Luca200728423276Sberbank, Serbia2003858533Volksbank, Ukraine21238477Subsidiaries of Sberbank Europe AG, total-10 8012704 375As of 01/09/2013
6Magyarorszagi Volksbank Zrt. in Brief Foundation: 1993Outlets: 52Employees: 696Assets, total: EUR mioMarket share in Hungary1.70% by assets2.30% by loans2.20% by depositsAs of 01/09/2013, except for market share figures – as of 01/08/2013
7Russia and Hungary: economic cooperation Russian-Hungarian economic relations occupy an important and permanent place in the system of foreign economic relations of the two countries, which made it possible to maintain the bilateral cooperation during the crisis.In the interest of sustainable development of the economies of the two countries Russia and Hungary are going to make efforts for the successful implementation of joint projects and already started to search for new ways of bilateral cooperation.Along with the cooperation within the “South Stream” framework, the other important project is delivering of Russian nuclear fuel for the Hungarian “Paks” Nuclear Power Plant which is planned to continue until the plant stops its operations.According to the Hungarian Customs statistics, the trade turnover between Russia and Hungary in January-June 2013 increased by 6.7% to $ 6.1 billion.The dominant share in Russian export to Hungary is occupied by energy sources (92%). Russian import from Hungary consists mostly of engineering products (44.7%) and manufacturing (excluding engineering products) (45.1%).The Russian-Hungarian Intergovernmental Commission on Economic Cooperation is one of the established authorities set up to strengthen mutual cooperation.
8Sberbank in Hungary: key achievements Corporate:- Participation Hungarian National Bank growth program- Several significant deals in Corporate- Increase of fees based on new account contracts signedRetail:- Moneygram cooperation agreement signed- New account packages launched for private individuals & micros- Consumer loan pilot started- Mobile banking application for smartphones developed and will go live by end of 2013Risk:- New credit process launchedOperations:- STP Excellence Award of Deutsche Bank
9Business relationship Despite the unfavorable macroeconomic situation in Hungary, Sberbank of Russia successfully develops its business in the following areas:Energy: VBHU is one of the most active banks that lend to projects in the energy sector in Hungary, including alternative energy projectsTelecommunications and transport: VBHU actively lends money to the telecommunications sector companies (Magyar Telekom, Synergon), serves and finances logistic transport companies: Gefco (owned by Russian Railways) and Ukrailtrans (4th place in the market of railway traffic, the company is founded and owned by Russian investors)SME: VBHU is one of the major banks lending to the SME sector in , Participation in the program of the National Bank in July and August provided a portfolio growth of SMEs in the amount of approx. USD 45 millionimplementation of joint projects with other banks of Sberbank Group: Sberbank is the leader of the consortium of financial advisors (with the Hungarian Development Bank and ING) on the construction project of the gas pipeline "South Stream Hungary”, while Hungarian Volksbank is the agent and the syndicate leader to finance the supply of gas deal along with Sberbank Europe, Unicredit and OTP.