1. presentation 2011

2. OVERVIEW Established in 1990 Assets over USD 145 mln., equity over USD 21,8 mln. as of January 01, 2011 Over 1000 private and corporate customers Independent audit according to IFRS standards since 2004 Management System complies with the ANAB and UKAS requirements of the ISO 9001:2008 Subordinated loan of USD 10 mln. from shareholders National credit rating B+ with positive outlook issued by Expert RA rating agency Member of national deposit insurance system (guarantees up to USD 20 000 per individual) More than 100 members of staff 12 branches in Moscow, 8 of which are operated jointly with Express Exchange in Sheremetievo and Domodedovo airports

3. Banking License No. 1053 issued by the Central Bank of the Russian Federation Member of State deposit insurance system Broker, Dealer, Custodian & Asset Manager Licenses issued by the Federal Financial Markets Service Affiliate member of Europay International REUTERS Dealing 3000 Participant Member of S.W.I.F.T. Certificate of compliance with ISO 9001:2008 Member of Moscow Interbank Currency Exchange (MICEX) Member of National Securities Market Association (NSMA) Member of Association of Russian Banks Member of Association of Regional Banks of Russia LICENSES, MEMBERSHIPS AND PARTICIPATION IN PROFESSIONAL ORGANIZATIONS

4. Banks mission: Making Life Easier Core Business Principles: To provide full and competent answer at each clients request; To provide proper service at each clients request; To remember and remind the client what and when he has to do; To save as much time as possible for the client; To offer the best available services and conditions; To approach each clients needs individually; To provide fair and transparent pricing. MISSION AND BUSINESS PRINCIPLES

5. Increase of loan portfolio up to 90 mln. USD; At least 20 % increase in non-interest income; Opening of at least 20 more branches in Moscow region; Installation of at least 200 payment terminals; Increase in goodwill via proper brand management. STRATEGIC GOALS FOR 2011

6. Shareholders owning more than 5% of share capital: Company% of share capital VITALIGHT LIMITED (Cyprus)20 % C.M.R. TRADING LIMITED (Cyprus) 20 % C.B.R. SERVICES LIMITED (Cyprus) 20 % ARROWBRIDGE LIMITED (Cyprus) 20 % DALEBRAND LIMITED (Cyprus) 20 % OWNERSHIP STRUCTURE

7. CORPORATE GOVERNANCE AND MANAGEMENT STRUCTURE 4 Members of the Board of Directors 5 Members of the Executive Board 9 key managers of the Bank Board of Directors Internal Audit Advisory Board Head of Clients Department Head of Internal Control Department Chairman of the Management Board Financial DirectorChief Accountant Head of Treasury, FX/MM and Capital Markets Head of IT Head of Security Department Internal Auditor

8. FX & MM Deals in major currencies Foreign Exchange swaps Cash Advance services Brokerage and Dealing in Russian State, Regional, Municipal and Corporate Bonds & Shares markets Issuance of Promissory Notes Interbank Loans Future Products Financial Market Products Leverage loans to investors on the stock market General Funds under Banks Management Corporate and Private Banking KEY PRODUCTS Corporate and Private Accounts & Deposits Loans to SME and HNWI Overdrafts, Credit Lines and Term Loans in RUB, Euro, USD Settlements in all major currencies, installation of money transfer terminals, instant payments Mastercard ® Credit Cards Bank Guarantees, LCs Exchange Control services

9. CORPORATE AND PRIVATE LENDING COMPETITIVE ADVANTAGES Overdrafts, credit lines and term loans in RUB, Euro, USD for SME & HNWI Low risk because of reliable borrowers generally being long established clients Immaterial volume of overdue or non-performing loans Consistent good provisioning and recovery levels High yield Transparent pricing policy Modern technology and IT Flexible collateral policy Wide range of products Prompt decision-making Convenience, versatility, flexibility

10. KEY FINANCIAL INDICATORS (000 RUR) 12, 200712, 200812, 200912, 2010 Total assets2 512 9504 313 8373 932 4494 322 426 Accounts with Central Bank and other credit institutions 582 369543 330305 899142 042 Loan portfolio837 359858 7001 343 7221 701 417 Fixed income securities and shares 415 858414 582158 324238 438 Current accounts1 494 473902 659757 074705 683 Total shareholders equity (incl. subordinated loan) 330 475366 965382 796656 462 Profit after tax34 28931 780016 179

11. HOW CAN WE DO THIS EFFICIENTLY? Clear and Open Strategy Smooth Internal Processes Qualified Personnel Special Attention to Integrated Information Technologies No Conflict of Interests with Shareholders Quality of Services as a Primary Goal Advantageous Tariffs and Rates Reliability and Flexibility

12. 127287, 2А-1, Stary Petrovsko-Razumovsky proezd, Moscow, Russian Federation Tel: +7 495 995-5-995 Fax: +7 495 287 9536 E-mail: markeev@finstbank.ru www.finstbank.ru