Sberbank Europe AG

A Russian banking leader tapping European markets

16 February 2017, , Webster University

Anja Soffa, HR Group Lead Talent Management; Linda Michalech, Corporate Communications Manager at Sberbank Europe AG

1 overview

Sberbank Group Sberbank of Russia

Ukraine Sberbank of Russia JSC Sberbank Russia, established in 1841, is the largest bank in Russia

Belarus Russia servicing more than 70% of Russian population JSC BPS-Sberbank Sberbank of Russia Presence in Russia Switzerland wholly-owned subsidiary 139 mln retail customers Sberbank of Russia Ownership structure Europe Sberbank Europe AG 1.5 mln Kazakhstan corp. customers Turkey SB JSC Sberbank DenizBank AS 15.7 ths branches Net profit, €bn ROE

+132% +11.5% 328 ths employees 5.3 20.9% 2.3 3.0 9.4% Market performance

9M/15 9M/16 9M/15 9M/16 €59bn mkt cap (#25 in the world Total assets, €bn C/I ratio and #5 in Europe) +5% -13% +65% 343 360 42.9% +17 37.5% share price change since 1 Jan 2014 (in RUB) 2015 9M/16 9M/15 9M/16 2 Sberbank Europe at a glance

>600,000 individual customers

>65,000 corporate clients

232 branches

~4,300 employees

9 countries of presence

3 Sberbank Europe’s footprint

Czech Republic Sberbank Europe Group • Assets: €2,656m Sberbank Europe Group is 100% • Customers: ~107k owned by Sberbank Russia Assets: €12,605m • Branches: 29 Gross loans: €9,019m Deposits: €7,684m and

• Assets: €3,821m1 • Customers: ~51k • Branches: 1 Ukraine • Sberbank Direct Ukraine bank launched in Germany • Assets: €125m 2014. Total deposits collected • Customers: ~30k as of Q3/16 - • Branches: 38 €1.8bn HQ Austria EU Hungary SEE • Assets: €1,807m • Assets: €1,080m Slovenia EE • Customers: ~40k • Customers: ~57k • Branches: 12 • Branches: 30

Bosnia Croatia

• Assets: €1,264m • Customers: ~72k Bosnia and Herz. Banja Luka Serbia • Branches: 31 • Assets: €584m • Assets: €435m • Assets: €832m • Customers: ~96k • Customers: ~88k • Customers: ~125k • Branches: 31 • Branches: 27 • Branches: 33 4 Diversity at Sberbank Europe

Quiz question…

What do you think, how old is our youngest and our oldest Board Member?

CEO: Gerhard Randa CRO: Alexey Bogatov

73 years 35 years

5 Diversity at Sberbank Europe

Our employees are from 26 different countries

6 Talent Development at Sberbank Europe

Sberbank Europe‘s „Mobile Team“ 24 Top Talents in intense Development Program 11 different nationalities 6 countries 3 Board Members 4 B–1 Managers 16 Senior Experts 1 Junior Expert è 6 Members of the Mobile Team promoted within one year into Leadership positions

Promotions of Interns to fixed postions 2016/2017 9 interns out of 14 got promoted into fixed positions

7 Open Positions

Current Internships and Junior Positions

Junior IT Systems Manager (m/f)

Internship - SME Banking (m/f)

Internship – ALM Treausury (m/f)

Operational Risk Internship (m/f)

Retail Banking Internship (m/f)

For all open positions please visit: www.sberbank.at/careers 8 Upcoming Internships

• Corporate Banking • Business and Product Support • Financial Institutions and Trade Finance • Retail Products Management • Marketing • SME • Integrated Risk Management • Operational Risk Management • Controlling • IFRS/ Group Accounting • Accounting • Tax • IT • Banking Operations • Real Estate & Facility Management • Security

Sberbank Europe offers standard internships of 6 months, full-time (38.5h) with flexible working hours

Salary for Interns is EUR 1,100 gross 9