2 Mission We are the major universal bank in the Urals Region. We create and maintain the customer base and establish mutually beneficial relations with customers. We feel committed to participate in spheres of activities of our customers providing them with the wide range of banking services meeting their requirements and complying with the international banking practice and standards. We ensure absolute fulfillment of all obligations undertaken to our partners and gaining profit to our shareholders. We conduct our business open for customers and shareholders in strict compliance with the Russian laws based on corporate management standards, fair competition, updated IT solutions and high professional level of the Bank executives and staff. We reward our employees according to the contribution of each to the Bank results achieved. We regard social demands with attention and together with local authorities aim at participating in promotion of social projects for the benefit of the society, growth and improvement of economy of the Chelyabinsk Region.

3 “CHELINDBANK” at a Glance Major directions of services Cash and settlement services, corporate lending, SME and retail lending, retail savings, securities market services, foreign exchange and foreign currency purchase and sale operations, foreign economic activities, bank cards services, retail banking including money transfers and payments CHELINDBANK is a major universal Russian regional bank the 84-th position by the Bank capital (“Interfax-100. Banks of Russia”) the 108-th position by assets (“Interfax-100. Banks of Russia”) the 61-st position by personal savings (“RosBusinessConsulting” Agency) the 73-rd position by the volume of retail credit portfolio (“RosBusinessConsulting” Agency) the 100-th position by the corporate credit portfolio (“RosBusinessConsulting” Agency) Customer base 26 thousand legal entities and entrepreneurs, 580 thousand individuals Customer service network Head Office in Chelyabinsk, Russia 54 structural units in 26 towns of the Chelyabinsk Region, a branch in Yekaterinburg, a representative office in Moscow, 160 ATMs Fitch Ratings On August 10, 2011 Fitch Ratings assigned CHELINDBANK Long-term Issuer Default (IDR) «В+», outlooks “Stable” National Long-term «A-(rus)». The financial stability of CHELINDBANK is regularly confirmed by the international scale ratings since October Financial Statements IFRS – ZAO “PriceWaterhouseCoopers Audit”

Licenses The Bank is put in the register of the banks participating in the the Obligatory Savings Insurance System under No1. 4 CHELINDBANK has the following licenses The General Banking License №485 dated 16/09/2002 issued by the Central Bank of Russia The License on Banking Operations with Precious Metals № 485 от 16/09/2002 The Licenses entitling the Bank to operate as a professional participant of the securities market Compliance Certificate PCI DSS Participation in associations and unions Regional Banks Association “Russia” Russian Banks Association Principal member of VISA International Association (since 1996); regional acquiring license of VISA International (since 2003) Bills Market Members Association Association of Industrial Enterprises and Banks of Chelyabinsk Region South-Ural Trade and Commerce Chamber Chelyabinsk Regional Office of Association of Employers “Union of Industrials and Entrepreneurs” Participation in Exchanges Member of Stock section and Foreign Currency section of Moscow Interbank Currency Exchange (Moscow) Savings Insurance Agency

5 Branch Network On the territory of the Chelyabinsk region CHELINDBANK has 28 branches, 18 outlets, 8 out-of-the- office cash counters and a branch in Yekaterinburg.

As on : Share capital – 809 mln.rubles Capital – 5,7 billion rubles Assets – 31,4 billion rubles Assets, Capital, Share Capital 6

7 Customer Services Services to corporate customers Retail Banking Foreign exchange transactions and services Bank cards services Cash and settlement services Deposit operations Lending Guarantee operations International settlements Service of customers’ foreign economic activity Salary projects Issue and discount of bills Collection Remote banking service systems: «Client+Bank», «Telephone+Bank», «Client+Bank Online» Securities market services Operations with precious metals coins and bullions Safe custody Issue and service of corporate bank cards Leasing Deposits in rubles and foreign currency Lending Issue and service of VISA cards Transfers in rubles and foreign currrency (including Western Union, Migom, SWIFT operations,BLIZKO) Foreign exchange purchase and sale operations Individual payments to organizations for rendered services Remote banking service systems: “Telephone+Bank”, “Client+Bank Online” Operations with precious metals coins and bullions Safe custody Securities operations Issue and discount of bills Foreign settlements in all forms internationally accepted: transfer, letter of credit, collection by SWIFT Bank guarantees and confirmation of L/C by the first- class European and American banks with or without coverage Individual foreign currency transfers without opening a current foreign currency account (including Western Union) Foreign exchange transactions Purchase and sale of foreign currency Foreign exchange control Transactions with currency with restricted convertibility Issue and servicing VISA Gold, VISA Classic, VISA Electron, including microprocessing VISA cards Acquiring in VISA system Issue and servicing corporate local settlement system cards including “Bon Appetit” cards Corporate cards issue and handling Regular payments from card accounts Loans to cardholders

8 Corporate banking CHELINDBANK renders services to corporate customers of different industries, patterns of ownership and scope of activity. The Bank corporate customers are defense enterprises, enterprises of ferrous and non-ferrous industry, chemical industry, machinery manufacturing, food industry, travel agencies and trading companies etc. Our customers are: FGUP PA «Mayak»CJSC «Unichel» Footwear company FGUP «RFYAC-VNIITF»Grains and Bread Products company n.a. Grigorovich JSC «Chelyabinsk Zinc Plant» OJSC «Chelyabvtormet» JSC «Ufaleynickel» JSC «Ashinsky Metallurgical Plant»

9 Cooperation with the EBRD The Bank has been dealing with small and medium business lending under the EBRD program since The EBRD has provided CHELINDBANK with a 20 mln. USD and 260 mln. rubles loans for small business development for the period of 3-5 years. The Head office and 29 branches are taking part in the program. As at January 01, 2012 CHELINDBANK has granted approximately 3500 small and micro loans for the total amount of 3,0 billion RUR. Since 2002 CHELINDBANK has been participating in the EBRD Trade Finance Project enabling the Bank to work with more than 700 major world financial institutions having the relating agreements with the EBRD. In September 2006, the Bank and the EBRD entered into a loan agreement for mortgage financing. According to the terms of the Agreement the EBRD provides the Bank with the loan of 140 mln RUR for 7 years.

1010 Trade Financing Since 2002 CHELINDBANK actively participates in the EBRD Trade Finance Program. The credit institutions cooperating with CHELINDBANK in the framework of trade financing are Commerzbank AG, VTB Bank (Deutschland) AG, Germany, Raiffeisen Bank International AG, Austria. The total volume of credit lines for trade finance operations established by the foreign banks for CHELINDBANK is about 36 mln. US Dollars (in equivalent). The principle conditions Financing terms up to 3 years, Involving Export Credit Agencies – up to 5 years, Interest rates: - LC/ guarantees issuing: 2-8% p.a. - financing: 5-8% p.a. (depending on the contract term and amount) + LIBOR/ EURIBOR.

11 Retail Banking The Bank offers its customers consumer loans, auto loans, lending within the frameworks of salary projects, mortgage lending, credit cards lending. As at total amount of granted retail credits comprised 5,2 billion rubles. Retail service development is one of the Bank’s priorities. The Bank offers a wide range of time deposits, that makes possible different variants of depositing and saving individual funds. As at total amount of attracted individual funds comprised approximately 17 billion rubles.

12 Bank Cards Operations As at the amount of VISA cards holders comprised more than 271,5 thousand. In Chelyabinsk and other towns of the Region 160 ATMs and 559 point-of-sale terminals have been installed. More than 2,700 agreements for corporate service in the framework of salary projects with the use of bank cards have been signed.

1313 CHELINDBANK Assets Structure CHELINDBANK Liabilities Structure As at Assets comprise ,8 mln. RUR: Cash & due from Central Bank– 2 723,2 mln. RUR Due from Banks – 1 781,2 mln. RUR Securities – 4 123,3 mln. RUR Customer loans – ,0 mln. RUR Fixed assets – 3 074,9 mln. RUR Other assets– 778,2 mln. RUR As at Due to Banks – 282,7 mln. RUR Due to corporate customers – 5 879,0 mln. RUR Individual deposits – ,9 mln. RUR Securities – 32,4 mln. RUR Other liabilities – 109,9 mln. RUR Shareholders’ equity – 5 690,6 mln. RUR Loss provisions – 2 408,3 mln. RUR

Financial results RFRS (published reports) 1414 FiguresYear 2011 (as on January 01, 2012) Year 2010 (as on January 01, 2011) Total assets Cash and due from Central Bank Due from banks Net lending receivables Securities owned, net Fixed Assets, intangible and tangible Other assets Total liabilities Amounts owned to banks Customer funds, total Including individual deposits Other liabilities Shareholders’ funds Net interest and similar income Net fees and commissions received Provisions change Operating expenses Profit after taxation Requirements: N1(min 10%) N2 (min 15%) N3 (min 50%) N4 (max 120%) ROA* ROE* 19,1 47,2 78,7 77,6 2,9% 16,0% 19,1 57,8 92,5 78,4 2,5% 13,5% *According to calculation methods of the Bank of Russia № 1379-U