Sberbank Europe Company Presentation (January 2014)

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Sberbank Europe –Building Bridges to Eastern Business

January 2014

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Kazakhstan

UkraineSberbank of Russia JSC●100.0% stake●0.8% of Group’s assets●# 8 by assets●2.7% market share by assets

Belarus

Central & Eastern EuropeSberbank Europe AG●100.0% stake (2.7% of Group’s assets)●Headquartered in Austria; 280 branches in 8 countries: Croatia, Czech Republic, Slovakia, Bosnia-Herzegovina, Hungary, Slovenia, Serbia and Ukraine

JSC BPS-Sberbank●97.9% stake●0.8% of Group’s assets●# 3 by assets●9.7% market share by assets

DenizBank AS●99.85% stake●6.9% of Group’s assets●Headquartered in Turkey●Ca. 623 branches; 3,357 ATMs; 126,863 POS terminals

Turkey

Representative offices:●Germany ●China●CyprusTrading platforms:●London●New YorkBranch:●IndiaWholly-owned subsidiary:●Sberbank (Switzerland) AG

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 DenizBank AS which is

ranked 6th among private and 9th among all Turkish banks by consolidated total assets.

SB JSC Sberbank ●100,0% stake●1,0% of Group’s assets●# 6 by assets ●5,3% market share by assets

KazakhstanSB JSC Sberbank ●100.0% stake●1.1% of Group’s assets●# 5 by assets ●6.1% market share by assets

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Sberbank of Russia:Ownership Structure & Key Financials

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%

Central Bank of Russia

50.00% + 1 ordinary share

Free Float

50.00% - 1 ordinary share

7.58% sold by the CBR (Central Bank of Russia)

Domestic Institutional4.1%

Domestic Retail4.5%

33.8%

Foreign Institutional Central

Bank of Russia

50.0% + 1 share

Free float

Ownership Structure – Share Capital1

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SOURCE: latest audited IFRS financial statements, as of Dec. 31, 2012. Exchange rate as of Apr. 16, 2013: EUR 1 = RUB 40.9774

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Europe BRIC World (by ROE – 5Y Avg.)1

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 - one of the largest banksMarket capitalization as of April 2013, USD billion

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Sberbank’s Compelling Profitability Profile

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Source: Bloomberg, financial statements for 2Q 2013Note: (1) Top-15 banks in each region/group by market capitalization* Financial statements for 1Q 2013

ROAA vs Other Large Banks from Peer Regions1

vs. Western Europe vs. CEE + Turkey vs. BRICs

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Notes: (1) Including branches and other outlets (2) Includes VTB24, Transcreditbank and Bank of Moscow (3) Counting only retail transactions that can be executed in person at a branch or remotely (4) Sberbank’s calculation on the basis of CBR data under RAS as of 1-Jul-2013, central banks data, latest available company data. Market share of debit & credit cards as of 1-Jan-2013.

Source: Rosstat, Sberbank’s operating statistics and calculations on the basis of statistics from CBR as of 30-Jun-2013. Sberbank operating statistics for the respective periods.

Largest Branch Network Among Russian Banks by Fat1 Notable facts as of June-2013

Sberbank’s share of Russia’s banking sector4

▪ Retail clients, out of a total population of ~143 m>110 m

▪ ATMs and self-service terminals - one of the largest single bank-owned networks globally

>81,500

▪ Retail transactions executed via remote channels³83%

▪ Corporate lent to clients out of 4.3m businesses in Russia>1.0 m

▪ Transactions processed for individual clients annually~2 bn

▪ Visitors to Sberbank’s outlets daily~4 m

▪ Active mobile banking users>12 m

▪ “Sberbank Online” active users>7 m

Sberbank’s distribution, scaleand market position in Russia

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Highlights from the media

Sberbank was placed second in a ranking of company stock returns over the past ten years by The Economist.

Sberbank was rated as Europe's second most valuable banking brand, following a survey carried out by The Banker. In 2012, its brand value rose to a total of USD 14.2 billion, to occupy 13th rank in the global ratings. Sberbank was also named by The Banker magazine as "Bank of the Year“ in 2012.

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Sberbank Europe network in CEE

Sberbank Europe AG manages a banking network of nine universal banks in eight Central and Eastern European countries: Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Bosnia-Herzegovina, Serbia and the Ukraine.

In total the CEE banks operate 280 branches with 4.500 employees (as at 30.06.2013).

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Facts & Figures – Sberbank Russia and Sberbank Europe

Sberbank Russia

100 million retail customers1 million corporate clientsEUR 371 billion total assets

250.000 employees in Russia+ 48.000 in subsidiaries

Sberbank Europe

490.000 retail customers62.000 micros and 17.000 corporate clientsEUR 10,7 billiontotal assets

4.500employees in CEE

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Branches 48Employees 520Assets EUR 228 m

Year of foundation 2007

Branches 23Employees 687Assets EUR 2,551 m

Year of foundation 1993

Branches 12Employees 221Assets EUR 1,485 m

Year of foundation 1993

Branches 31Employees 445Assets EUR 1,175 m

Year of foundation 1997

Branches 25Employees 387Assets EUR 377 m

Year of foundation 2000

Branches 26Employees 517Assets EUR 857 m

Year of foundation 2003

Branches 52Employees 689Assets EUR 1,791 m

Year of foundation 1993

Branches 41Employees 619Assets EUR 1,951

m

Year of foundation 1991

Sberbank Croatia

Sberbank Slovenia

Sberbank Czech Republic

Sberbank Slovakia Sberbank Ukraine

Sberbank Serbia

Sberbank Bosnia-Hercegovina

Branches 22Employees 261Assets EUR 277 m

Year of foundation 2007

Sberbank Banja Luka

Sberbank Europe network in CEEFigures of June 2013

Hungary

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Mark Arnold

CEO

The Management Board of Sberbank Europe AG

Valentin MihovStrategy

David O'MahonyCIO & COO

András HámoriRetail

Christian KubitschekCFO

IgorStrehlCorporate Business

Mark KrauseCRO

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The vision of Sberbank Europe

As an important part of one of the largest, fastest growing, and dynamic banking organizations in the world – we at Sberbank Europe aspire to be recognized as a game-changing innovator, an emerging leader in CEE banking with growing presence and recognition in Western Europe.

Our vision