Sberbank Europe AG, headquartered in Vienna, is a banking group that is 100% owned by Sberbank Russia. Since Sber-bank Russia acquired Volksbank Inter-national (VBI) in 2012 and rebranded it into Sberbank Europe, major steps have been taken to gradually transform Sberbank Europe into a fully-fledged, self-funded and profitable universal bank with a strong focus on retail and corporate customers. Sberbank Europe is present in 10 markets in Central and

Eastern Europe: Austria, Bosnia and Herzegovina (Sarajevo and Banja Luka), Croatia, Czech Republic, Germany, Hungary, Slovakia, Slovenia, Serbia and Ukraine. Sberbank Europe operates 288 branches and has around 5,000 em-ployees across CEE. As an integral part of one of the largest, fastest growing and most dynamic financial providers in the world, Sberbank Europe aims to build sustainable bridges between Rus-sia and the European markets.

Sberbank EuropeWho we are

Retail business Large corporate & investment banking

SME business

Mortgage and consumer loans

Corporate financing Liquidity financing (Working Capital/Overdraft)

Savings and pension products

Real estate financing Investment financing (Equip-ment/Business facilities)

Focus on digital banking& partnership programs

Acquisition financing Treasury and trade finance products

Sberbank Direct in Germany (since 2014): pure online retail bank with basic products

Trade finance and treasury products

Transaction business support

What we do

October 2015

0 500 1000 1500 Miles

0 500 1000 1500 2000 Kilometres

Note: Inputs are based on management accounting view

Retail business only

Corporate business only

GermanySberbank Direct bank launched

in 2014

AustriaTotal assets:

EUR 5,015 mnBranches: 1

SloveniaTotal assets:

EUR 1,936 mnBranches: 12

CroatiaTotal assets:

EUR 1,396 mnBranches: 31

BIH SarajevoTotal assets: EUR 513 mnBranches: 30

SerbiaTotal assets: EUR 942 mnBranches: 33

BIH Banja LukaTotal assets:

EUR 407 mnBranches: 27

HungaryTotal assets:

EUR 1,272 mnBranches: 43

SlovakiaTotal assets: EUR 1,961 mnBranches: 44

UkraineTotal assets: EUR 129 mnBranches: 38

Czech RepublicTotal assets:

EUR 2,653 mnBranches: 29

Our network in Europe

Sberbank Europe at a glance

Over 630,000 customers in 10 countries

Around 5,000 employees 288 branches in CEE Total assets: EUR 14.4 bn Operating result: EUR 187 mn

Our business: Sberbank Europe is a fully-fledged universal bank. Our activities focus on retail banking cus-tomers, large corporates as well as on small and medium-sized enterprises.

Our markets: Sberbank Europe is a strong financial partner for retail clients in Central and Eastern Europe as well as for companies doing busi-ness in CEE, Russia, CIS and Turkey. We aim to build bridges between Russia and the European markets.

Our customers: Sberbank Europe manages a retail banking network in Bosnia and Herzegovina (Sarajevo and Banja Luka), Croatia, Czech Republic, Hungary, Serbia, Slovakia, Slovenia and Ukraine. In Germany, Sberbank Europe focuses on retail clients only, offering them basic banking products via Sberbank Direct. In Austria, Sber-bank Europe serves corporate clients with business focus on CEE markets.

Strategic Positioning

Management Board

Axel HummelCEO

Alexey BogatovChief Risk Officer

András HámoriRetail

Christian KubitschekChief Financial Officer

Valentin MihovStrategy, Acting Chief IT & Operations Officer

Igor StrehlCorporate Business

TurkeyDenizBank AS

Central & Eastern EuropeSberbank Europe AG

Austria, Bosnia and Herzegovina (Sarajevo and Banja Luka), Croatia, Czech Republic, Hungary, Serbia, Slovakia, Slovenia, Ukraineand Germany

Germany & ChinaRepresentative offices

London & New YorkTrading platforms

IndiaBranch

SwitzerlandSberbank (Switzerland) AG

wholly-owned subsidiary

BelarusJSC BPS-Sberbank

UkraineSberbank of Russia JSC

RussiaSberbank of Russia

KazakhstanSB JSC Sberbank

Sberbank Europe AG, Schwarzenbergplatz 3, 1010 Vienna, Austria, Tel.: +43 1 22732 1300, linda.michalech@sberbank.at, www.sberbank.at

DomesticInstitutional2.52%

Domestic Retail3.96%

Free float

50.00%+ 1 shareCentralBank of Russia

43.52%ForeignInstitutional

Ownership structure of Sberbank Russia

Sberbank Russia, founded in 1841, is Russia’s largest bank and a leading global financial institution. Sberbank holds almost one third of the aggregate assets of the Russian banking sector, is the key lender to the national economy and the biggest deposit taker in Russia. The Central Bank of the Russian Federation is the founder and principal shareholder of Sberbank, owning 50% of the bank’s authorized capital plus one voting share, with the remaining

50% held by domestic and international investors.

Sberbank has the largest banking net-work in Russia with almost 17,000 branches, and its international opera-tions include UK, US, CIS, Central and Eastern Europe and Turkey. Sberbank Group has more than 135 million indi-vidual customers and one million cor-porate clients in 22 countries.

2012 2013 2014 2015Consolidation Building the foundation Implementing our strategy

1st Fitch rating: investment grade BBB- achieved

Rebranding into Sberbank in all CEE

marketsGained over EUR 1.7bn in deposits in Germany

Launch of Sberbank Direct

in Germany

EUR 350 mn syndicated loan

received

Sberbank Russia acquires VBI

Full banking license & corporate business

launch in AUT

Our milestones

About Sberbank Group

All figures as of 30.06.2015