Social Report 2018 Contents

Introduction ��4

1. Lifeline — Lend a Helping Hand �� 6

2. Who if Not Us? Alfa-Bank’s Volunteer Initiatives ��12

3. Other Charity Initiatives �� 18

4. Art without Borders ��28

5. Golden Fund of Future Generations ��34

6. Alfa Fellowship International Program ��38

7. Literary Awards ��42

8. Financial Awareness ��46

9. FIFA World Cup Russia 2018 ™ ��50

10. Alfa Future People ��54

11. Corporate Communications ��58

12. Contributing to Common Cause — WWF ��64 Introduction

Being a socially-oriented institution, Alfa- For years, the Bank has been cooperating with the contest of volunteer initiatives Helping Bank attaches great significance to charity, international and Russian charity initiatives, Children Together, and annual charity events, support for cultural and educational projects, above all the World Wildlife Fund (WWF) and during which employees raise donations for and assistance to the needy, encouragement the Lifeline Charity Foundation. Support for entertain orphaned and abandoned children, of talented youth, and fostering of charity these organizations is not limited to charitable are crucial achievements of our social policy. culture in our country. We hereby present the contributions. It is equally important that the Bank’s Social Report 2018. Its covers the most Bank provides simple and convenient charity For Alfa-Bank, social responsibility means interesting and important events in this area opportunities to its clients, individuals and more than charitable contributions. Above all, organized by Alfa-Bank last year, as well as its businessmen, and draws the public into socially this is a social activity, which increases the cultural and educational activity, and volunteer significant projects. Social support given number of participants in cultural, educational, initiatives. to Bank employees, their professional develop- social, and volunteer projects and enables them ment, and assistance to talented young people to make an input in the development, prosper- The Bank traditionally supports cultural events within the framework of the Alfa-Chance ity, and wellbeing of our country together with in every part of our country: it arranges con- scholarship program deserve a special mention. the Bank. certs of celebrated Russian and foreign performers, theatrical tours, thematic exhibitions, Alfa-Bank’s charitable activity goes beyond and festivals. Last year was no exception, and assistance to disadvantaged social groups, Alfa-Bank helped organize fascinating cultural such as residents of orphanages and boarding events in many cities of Russia: theatrical per- schools, sick children, and WWII veterans; formances starring Russian and international it also includes the promotion of charity actors, music and film festivals, and artistic culture in society, first and foremost amongst exhibitions. In addition, Alfa-Bank sponsored Bank employees. The Bank has been carrying the keynote international sports event of the out volunteer projects for years, and their year, the FIFA World Cup 2018. number keeps growing. Project Giving Good,

4 Alfa Bank. Social Report 2018 5 Joint Projects with Lifeline 1 Alfa-Bank is the organizer of the Lifeline charity program providing financial support to seriously ill children, which was transformed into a national charity foundation in 2007. The Bank is not just a corporate sponsor of the program, but also an organizer of individual charitable contributions of its employees. While cooperating with the Foundation, the Bank regularly arranges fund-raisers for children who need help.

The goal of the Lifeline Foundation is targeted Doing good is simple and convenient! The Alfa-Cash Ultra business card launched assistance to seriously ill children and the by Alfa-Bank in 2016 immediately acquired promotion of charity culture in society. The Alfa-Bank always makes sure that its retail the status of an affinity card. Businessmen Foundation sponsors high-tech medical and corporate clients feel comfortable. When- using the card for routine operations help treatment of children across Russia with ever they are ready to help children, the Bank seriously sick children: Alfa-Bank funds the such diagnoses as vascular pathology of the offers simple and reliable methods of doing so. transfer of 0.39% of the amount of every brain, cranial deformity, spinal deformity, purchase to the Lifeline Foundation. A total hydrocephalus, and cranial hernia. It also helps Retail clients can contribute for saving chil- of 18,568,106 rubles and 49 kopecks were pay for endoprostheses for bone sarcoma and dren’s lives via the Alfa-Click Internet bank, transferred to the Foundation in 2018 coxarthrosis patients. Other projects of the a regular bank transfer, or ATMs. There as a result of this product, and 18 children had Foundation include the home mechanical is no commission on any of these operations. surgeries. Another child is preparing to receive ventilation program (implemented at the Alfa-Click Internet bank clients transferred therapy, which is paid for with these funds. initiative of the Russian Health Ministry) 11.5 million rubles to the Lifeline Foundation and the procurement of medical equipment in 2018. It is possible to donate to the Foundation and instruments for healthcare institutions. directly from the Alfa-Business Online In 2018 the Foundation’s medical program was A charity retail deposit, Lifeline, has been Internet bank. In 2017, Alfa-Bank implemented expended with rehabilitation treatment and offered by Alfa-Bank since 2011 as a way another convenient, high-tech, and safe service laser surgery. of reliable and profitable saving and helping enabling businessmen to make charitable children at the same time. It’s very simple: contributions in “three clicks”, directly from

Joint Projects with Lifeline Projects Joint The Lifeline Foundation has helped over Alfa-Bank monthly transfers 0.05% of the their transaction account, and without leaving 9,850 seriously ill children recover with the deposit amount to the Lifeline Foundation; the the familiar interface of the Internet bank. support of caring people and donations made money is deducted from the deposit’s interest. Money can be rapidly transferred to one of the by dozens of Russian companies and hundreds The deposit can be opened in any Alfa-Bank trusted charity foundations, such as Lifeline, of thousands of individuals. A hundred percent office, the Alfa-Click Internet bank, or the Rusfond, the WWF, and Beautiful Children of contributions received by Lifeline are spent Alfa-Consultant call center. in a Beautiful World. on treating children.

8 Alfa Bank. Social Report 2018 9 LIFELINE WITH PROJECTS JOINT is an acclaimed industry leader: Alfa-Bank They Need Your Help in the field of business, the CAF Foundation (program of employees’ individual donations) in the field of charity, and the ERC in the field of medicine. Important partners of the In 2018, the program website https://donate- program are the University Children’s Clinical now.ru/ posted stories of children who needed Hospital of the Sechenov First Moscow State help. The children were diagnosed with severe Medical University, regional healthcare author- diseases, such as lymphangioma, sagittal syn- ities, the Lifeline Foundation, and leading ostosis, osteogenesis, osteosarcoma, cerebral medical institutions and organizations. The palsy, congenital pathology of the formation program enjoys support of the Russian Health of the skull, scoliosis, and needed expensive Ministry. treatment.

The children’s endocrinology program Employees transferred 389,100 rubles of their is a unique example of large private donations personal funds to help the children over the in the development of a major sector of Rus- year. sia’s healthcare. The goal of the program is to improve the quality and affordability of medical assistance to children with endocrine system diseases. It is based on the implementation of the best available practices and modern clinical methods and technologies in Russian healthcare. Every part of the program relies “A Life is not a Trifle” campaign Charity Marathon 5275 on scientifically proven data. The program selects, presents for expert appraisal, and The Lifeline Foundation and Alfa-Bank have On April 22, 2018, a 24-member Alfa-Bank implements the best Russian and foreign been carrying out a traditional campaign, “A team participated in the annual sport event, proven management strategies and clinical Life is not a Trifle,” since 2009. Twice a year Charity Marathon 5275 organized by the practices of diagnostics, prevention, and (in spring and in fall) everyone can bring small Lifeline Foundation. The first 5,275-meter treatment of endocrine system diseases. change to the Lifeline collection points. Cash- marathon took place on September 23, 2012, in-transit vehicles bring the small change and the seventh event was held in 2018. Alfa Future People to the Bank’s settlement centers for being Primary objectives of the marathon are the counted. Volunteers take active part in the promotion of charity culture in society and The Lifeline Foundation has been a partner campaign. an active lifestyle and fund raising. of the Alfa Future People major music festival over years, arranging a variety of charity The 2018 campaign “A Life is not a Trifle” Alfa Business Week and Plus One Life campaigns and/or receiving a part of ticket resulted in the collection of 2,359,661 rubles sale earnings. and 34 kopecks in several regions of Russia: The Alfa Business Week forum joined the rais- Moscow, St. Petersburg, Volgograd, Kazan, ing of funds for sick children in 2017. A FIFA In 2018, users were invited to donate online Kamyshin, Saratov, and Sochi. The money World Cup 2018 ball carrying autographs while booking their tickets or to use QR codes was fully spent on surgeries of children with of all forum speakers and once an autograph to make a donation right from the venue. life-threatening diseases. of Lionel Messi was the forum’s charity lottery prize. The Alfa Business Week raised 1,188,000 Alfa-Bank’s Summer Day rubles for the Lifeline Foundation in 2018.

Alfa-Bank’s Summer Day is an annual event Alfa-Endo held in Moscow and cities of the Bank’s presence across Russia. Money paid for every ticket The Alfa-Endo program of assistance to the family event is donated to the Lifeline to children with endocrine system diseases Foundation. The 2018 events yielded 3,427,360 was initiated by Alfa Group’s consortium. rubles. The money raised by Bank employees It is implemented by the CAF Charities Aid as a result of the socially significant campaign Foundation in collaboration with the Russian fully paid for expensive treatment of three Health Ministry’s Endocrine Research Center seriously sick children. (ERC). Every party to this tripartite union

10 Alfa Bank. Social Report 2018 11 LIFELINE WITH PROJECTS JOINT Who if Not Us? Alfa-Bank’s Volunteer Initiatives 2

In 2018, Bank employees again took active part The orphanage accommodates children born in voting for contesting projects. More than to HIV-positive mothers, and children with hyp- 2,700 employees cast their votes to choose otrophy, anemia, rickets, cerebral palsy, Down winners from 30 projects. Three victorious syndrome, mental retardation, optic atrophy, projects were successfully implemented with congenital malformations of the maxillofacial the Alfa-Bank money. system, multiple congenital malformations, epilepsy, mental retardation, congenital heart The project “Sensory Room for Individual defects (CHD), spastic cerebral palsy, micro- Training of Disabled Children” in the cephaly and other conditions. Chredakly company town in the Ulyanovsk region “Social Adaption of Families Raising Children with Disabilities and Limited Capacities” In 2017, Alfa-Bank donated sensory and tactile in Barnaul equipment for children with limited capabilities For years, Alfa-Bank has been to the town club Open Hearts. Unfortunately, In this project volunteers helped people raising supporting the most disadvantaged the number of children with disabilities disabled children and involved every family is growing year after year, and volunteers have member in the life of special-needs children. population groups: sick children, decided to open another sensory room. All The program included massage, recreational orphans, disabled persons, and WWII methods and equipment purchased by volun- gymnastics, individual and group meetings with teers are designed by Obninsk scientists. The a psychologist, master classes and educational veterans. premises were rapidly repaired, and the new meetings designed for parents, preventive sensory room opened to children with cerebral safety measures, classes in a cartoon studio,

Who if Not Us? Us? Who if Not The Bank not only gives financial support palsy on September 1, 2018. and family recreation. to sponsored children’s institutions but also encourages its employees to raise funds and “Medical Equipment for Stalingrad The month-long project ended with a concert, join volunteer initiatives. Alfa-Bank volunteers Orphanage,” in Volgograd in which every family demonstrated the across the country are gladly helping residents fruit of joint efforts. Special-needs children of orphanages and boarding schools for Medical equipment for orphans with disabilities presented their unique talents on their own special-needs children, they organize festive and furniture for medical rooms, which will or together with their families. Some prepared events, and hold educational master classes. keep them safe and clean, were purchased art pieces and drawings, others played musical There are annual charity campaigns titled as a result of the project. instruments, sang, and recited poetry of their “International Children’s Day,” “Help Prepare own. for School,” and “Christmas Miracle.” The Giv- ing Good volunteer movement has been oper- ating for five years; employees independently patron children’s institutions, communicating with and helping children on a regular basis. Meanwhile, the Memory Watch campaign aims to cherish the memory of fallen heroes of WWII by laying flowers to war memorials in home cities.

Helping Children Together contest of volunteer initiatives

The traditional contest of volunteer initiatives Helping Children Together aims to engage employees in decisions as to who will receive financial assistance from the Bank. Anyone can suggest a charity project. The best projects

Alfa-Bank’s Volunteer Initiatives Volunteer Alfa-Bank’s chosen in a universal vote receive grants from the Bank.

14 Alfa Bank. Social Report 2018 15 INITIATIVES VOLUNTEER ALFA-BANK’S US? IF NOT WHO International Children’s Day charity campaign Help Prepare for School charity campaign

As we know, June 1 is the International Children’s Help Prepare for School is another charity Day. This is the first day of the long-awaited campaign held by Alfa-Bank on the occasion school holidays, when adults can reflect on prob- of the Day of Knowledge. It is traditionally held lems and difficulties experienced by young and in every region of the Bank’s presence where defenseless inhabitants of our planet. employees prepare everything residents of the sponsored orphanages might need for school: This is an international holiday observed in over uniforms, backpacks, and school supplies. 60 countries. It aims to remind adults and Volunteers bring the donations and gifts society about the importance of protecting to sponsored orphanages and use their visits children’s rights so that all children are happy, as another occasion to meet with the children can study and do things they love, and become and share their care and affection with those wonderful parents someday. deprived of it.

The Bank has an annual charity campaign In 2018, the Help Prepare for School campaign on June 1. This is the first summer day; took place in 46 cities of Alfa-Bank’s presence. children are on vacation and can walk around, Our colleagues visited sponsored orphanages run, jump and spend a lot of time outdoors. and congratulated children on the Day The day is particularly important to parentless of Knowledge. There was a series of interesting children. Alfa-Bank stays together with its master classes: hairdressers not only cut wards on that day. Employees visit sponsored children’s hair but also told them about hair children’s institutions in cities of the Bank’s care, fashionable haircuts, and simple ways Christmas Miracle charity campaign through lessons developing household skills, presence to organize events and programs of always looking neat, while girls were invited creative master classes, and sports training. and try to make the life of parentless children to a makeup class. There was a speed reading New Year and Christmas are utmost family at least a bit better. The campaign was held class, and other events, too. holidays of the year. Yet children in orphanage In 2018, Giving Good volunteers had about 30 in 45 cities of the Bank’s presence in 2018. can only dream of seeing the New Year successful visits to sponsored orphanages. The in together with their kin and sharing their primary objective of their visits was to com- plans and dearest wishes. The goal of the municate with children and teach them useful Christmas Miracle campaign is not just skills which will diversify children’s life and to give financial assistance to children but foster their independence skills. Colleagues also to offer moral support to those who need usually organize master classes but sometimes parental care and warmth so much. Tradition- all children need is communication and support. ally, Alfa-Bank employees arrange greetings Bank employees often bring board games and from Father Frost and Snow Maiden, games, have fun together with children. contests, master classes and concerts. All children get sweets and New Year mood. The Memory Watch charity campaign Bank also solves household problems of sponsored institutions. In 2018, the Christmas Russia celebrates its main holiday, the Day Miracle campaign was held in 45 cities of the of the Soviet People’s Victory in the Great Alfa-Bank presence. Patriotic War of 1941-1945, on May 9. The day is observed all over the country. Russians Giving Good volunteer project pay tribute to living and deceased veterans. Alfa-Bank’s Memory Watch was instituted Giving Good is a volunteer project imple- on May 9, 2016. Employees lay wreaths to war mented by employees with the centralized memorials. In 2018, the campaign took place support of Alfa-Bank. It does not substitute in 56 cities of Russia and involved over 1,000 “traditional” charity campaigns of the Bank Bank employees and their family members. but allows caring colleagues to pool efforts and make the world a better place. The main idea of the project is conscious volunteering: volunteers not just bring gifts and toys to orphanages but also help children socialize

16 Alfa Bank. Social Report 2018 17 INITIATIVES VOLUNTEER ALFA-BANK’S US? IF NOT WHO Other Charity Initiatives 3

Initiatives Other Charity

Alfa-Bank’s Donor Day Open Day for children from sponsored centers and schools of Kaliningrad and suburbs orphanage participated in the competition. About 250 of our employees donated their blood in 2018. There were 145 donors in Mos- During school holidays, Alfa-Bank volunteers It was the seventh annual children’s sailing cow, 31 in Novosibirsk, 49 in Yekaterinburg, and invited children from a sponsored orphanage regatta, Cosmonaut Alexey Leonov Cup, founded 22 in Kazan, which made Alfa-Bank an active in Kazan on a bank tour in order to discuss by Alexey Leonov, an honorary citizen of Kalin- campaigner for blood donation. high school students’ plans for the future and ingrad and the Kaliningrad region, pilot-cosmo- to demonstrate the mechanics of a credit-and- naut, and twice Hero of the Soviet Union. The Statistically, over 1.5 million people need blood cash office. first Cosmonaut Leonov Cup took place in 2012. transfusions in Russia every year. The main problem is a significant reduction in the num- The employees asked the children where they “Sailing physically strengthens children, tem- ber of donors. Intensive measures have been wanted to study and what they wanted to be. pers their personality, teaches them to think taken in recent years to revive the blood donor They told the children what the bank work was and take responsibility, and eventually enables movement. about and what must be done to become a part them to be confident of the future and cope of the team. The more information about with any task. This is a good school of life for Alfa-Bank employees again visit dog shelter various aspects of life the children receive now, children,” Kaliningrad operational office man- in Kazan the easier it will be to make the right choice. ager Alexander Krasnenkov said.

Employees of the Kazan operational office paid Cosmonaut Leonov Cup children’s sailing Alfa-Bank cares for health and education of the another visit to the dog shelter in Stolbishche. regatta younger generation in the territories of its The shelter opened in 2003 and entirely relies presence. Hence, in Kaliningrad Alfa-Bank gives on donations of residents of Kazan and subur- Charitable donation for the children’s sailing much attention to the promotion of children’s ban areas. The Alfa-Bank employees from the regatta of the Kaliningrad Youth Sailing Cen- sailing sport and has been supporting the Cos- Kazan and Naberezhnye Chelny operational ter; Cosmonaut Leonov Cup report: monaut Leonov Cup children’s sailing regatta offices donated warm clothes, feed, and money, since day one. In 2017, Cosmonaut Leonov and gladly interacted with the dogs. The final stage of the Cosmonaut Leonov Cup was sponsored by its permanent partner, Cup children’s sailing regatta took place AO Alfa-Bank. Its support makes every Cosmo- on Verkhneye Lake in the center of Kaliningrad naut Leonov Cup the most remarkable event on July 21, 2018. It was timed to coincide with of the year in the Kaliningrad region not just for Kaliningrad Day. About 30 yachting novices contestants but also for many viewers, parents, aged 8 and older, and students of sailing and future young yachtsmen.

20 Alfa Bank. Social Report 2018 21 CHARITY INITIATIVES OTHER Ulyanovsk wins yachting silver brickwork. Classic-style street lamps were such places as this building are real Russia. Photographique (FIAP). It was initiated and placed around the building to illuminate its We won’t have a past, a present, and most organized by the Tyumen House of Photogra- The Ogni Ventsa 2018 cruise yachting façade and the pavement. likely a future without places like this,” he said phy under the theme “Nature: Pain & Hope.” competition took place in Ulyanovsk on the last weekend of July. The competition takes The renovated monument was unveiled by act- Early history halls will open in the City’s Outset Alfa-Bank opened an account for the contest place annually for the past 20 years at the ing Chief Executive Officer Alexey Chukhlov, Museum in late summer of 2018 to present organizer, the Tyumen House of Photography. Kuibyshev Reservoir off the town of Rybatsky Bank Board of Directors First Deputy Chair- important events that took place from the day Katerina Petropavlovskaya, senior Small in the Zavolzhsky district. The regatta aims man Oleg Sysuyev, and Novosibirsk Culture the city was founded until the middle of the Business manager in Tyumen, rapidly provided to strengthen friendship between districts and Youth Policy Department Head Anna 1920s. “Three days later, Novosibirsk will approval of preferential service terms. of the Volga region, popularize sailing sport, Tereshkova. celebrate its 125th anniversary, the festivities and promote tourism and healthy lifestyle. will begin on the Mikhailovskaya Embankment, There was a press conference dedicated to the Contestants from “It’s remarkable that the building where and the Museum will be a reference point opening of World Eco Photo. history once started has remained modest over in your city history,” Novosibirsk Culture, Ulyanovsk, Samara, Kazan, Togliatti, and Dimi- years,” Chukhlov said. “It has occurred to me Sports, and Youth Policy Department Head The contest ended with a final exhibition trovgrad describe the regatta as a spectacular that Novosibirsk and our Bank share an aspi- Anna Tereshkova said. of photographs at the I.Ya. Slovtsov Museum sport event of the Middle Volga region. ration for a bright future, success, and rapid Complex, where the award ceremony took development. A big story always starts with International photo contest supported place. In 2018, the event was organized by the faith in a positive future, which we should seek in Tyumen Regional Federation of Sailing Sport and the to understand and bring closer. We can do a lot Dmitry Fedorov from Surgut won the special administration of the Ulyanovsk Zavolzhsky if we are united.” The final exhibition of World Eco Photo 2018 prize in the Nature nomination provided by the district. For the first time, a cruise yacht was which had Alfa-Bank as its official bank and official partner, Alfa-Bank. An account to his manned by the Ulyanovsk team of Alfa-Bank. The project cost 3.2 million rubles provided partner has come to an end. name was opened in Alfa-Bank, and the prize Colleagues from Small Business and Ulyanovsk by the municipal and regional budgets and was credited to the account. Tyumen oper- operational office pooled their efforts to fight Alfa-Bank. The Bank presented a certificate There are many contests dedicated to nature, ational office head for network development water and air elements. for installing and maintaining a WiFi system yet Tyumen photographers have initiated one Svetlana Okhlopkova congratulated Dmitry in the City’s Outset Museum. of their own. at the award ceremony and lauded the talent It was cloudy and blustery on the regatta day, and mastery demonstrated by his works. but the six crewmembers were lucky, covered “We are grateful to the Alfa-Bank manage- World Eco Photo 2018 was held under the the whole 15-kilometer distance, and repre- ment. We have been cooperating with your patronage of the Russian Geographical Alfa-Bank backs BlagoDaryu charity project sented Alfa-Bank with flying colors. regional branch for several years,” Novosibirsk Society, the Photographic Society of America in Tyumen Museum Director Yelena Shchukina said. (PSA), and Federation Internationale de l’Art Alfa-Bank in Novosibirsk celebrates 20th “We have had joint projects and exhibitions, About a thousand of Tyumen residents took anniversary including exhibitions dedicated to the 50th part in the BlagoDaryu annual charity project anniversary of the first manned space flight, of the Victory Dance Theater at the Neftyanik Our jubilee coincided with the 125th anniver- and the 200th anniversary of the Patriotic War Cultural Center. sary of the Siberian capital. The Bank lit street of 1812, the City Tours with Alfa project, and lamps on the Mikhailovskaya Embankment some others. We are happy to have you as our An exhibition and fair of handicraft, nice gifts, on this festive occasion. friend and partner.” chain mail making and wooden toy painting master classes, and an interactive program Alfa invited Novosibirsk residents to the cele- “The opening of the Management Building for children and their parents were organized brations, and heads of the Central Office and is a significant and long-awaited event for in the lobby. the branch met with clients and employees. Alfa-Bank, which coincides with the 20th anniversary of the Bank’s presence in Novosi- In 2018, viewers were invited to the choreo- Acting together with the Novosibirsk Museum birsk. I am sure that the museum will become graphic performance “The Legend of the and the city administration, we accomplished a point of attraction for Novosibirsk residents Global Language.” The audience followed a socially significant project: restored a his- and tourists, and that the Mikhailovskaya a brave man on his journey to sunny Armenia, torical monument in the City’s Outset Park, Embankment will turn into a social and cultural felt the fierce spirit of Ireland, saw bright the Tomsk Estate Management Building of the sport,” Board of Directors First Deputy Chair- colors of China and India, and traveled through Imperial Government’s Altai District Branch. man Oleg Sysuyev said. “Once I was the head passionate Spain. In the end, the brave man This is the only historical building left on the of the million-plus city Samara. I realize how discovered that dance was the key to learning renovated embankment. The restoration began important such places are for cities, and how any language. in 2017. Decorative wooden carving on the much they differ from what we see in Moscow: roof was restored, alongside parts of façade high-rises made of ferroconcrete. I think that

22 Alfa Bank. Social Report 2018 23 CHARITY INITIATIVES OTHER costumes to the central Muravyov-Amursky Olga Bespechnaya and her colleagues chose Street. They marched from Komsomolskaya the most active participant, Alyona Gagarina, Square to the Far Eastern capital’s main in the nomination Mrs. Chic Irkutsk 2018. square named after Lenin.

The march had a turnout of about 10,000 representatives of various industries, big companies, the young, and civil organizations.

The Bank column was led by a 12-meter-long vehicle decorated in the FIFA World Cup 2018 style. The vehicle was carrying the football team of the Khabarovsk branch and cheerleaders. Employees’ children were riding scooters behind the vehicle, and Alfa cyclists followed up.

There was a concert in the evening by city ponds, the beloved recreation area of the locals. Colleagues did not miss the concert either: they opened an eye-catching photo zone and a counter of the Bank and invited everyone to take a quiz and win a prize.

It took about three weeks to prepare for the carnival. Every detail was thoroughly consid- ered and put into life. There were a number Ticket sale profits were donated to seriously University’ Theater where over 30 thematic of rehearsals, which enabled the team to prop- sick children via the Key to Life charity project. sections were deployed. Surgut residents erly represent the Bank. and tourists watched sports performances Alfa-Bank and its employees stationed in Tyu- and competed in various sports. The festival Alfa-Bank acts as partner of Mrs. Irkutsk Alfa-Bank’s interactive events and photo men invited orphaned and abandoned children aimed to unite families and develop creativity Show 2018 zone drew attention of all contest guests. from the Tyumen Semya regional social and skills in children, teens, and students. Cheerleaders of the Bank’s team Baikalskiye rehabilitation center for minors to the concert. A concert by popular music bands of the region Alfa-Bank has been a partner of the spectac- Zhemchuzhiny (Irkutsk), employees, and play- Once again, Alfa-Bank exhibited corporate continued the event. ular city event for three years. The contest ers of our Irkutsk football team were inviting social responsibility and invited such children is held between successful married women people to our photo zone. to an event The Bank gained loyal clients, appreciation aged from 25 to 50. of its active involvement in the city life by the “As a result, we received seven applications Sport festival in Surgut local administration, and cooperation agree- This is a major city event attractive for for credit cards, eight applications for ments with the multifunctional center and the the Bank. Irkutsk regional manager Olga cash loans, and ten meetings regarding the Alfa-Bank continues to actively build relations Yugra Business Promotion Foundation. Bespechnaya sees it as a socially significant card-with-benefits service package during the with the Surgut administration. event of the Irkutsk region, considering that first week after the show,” Bespechnaya said. We are grateful to our Retail and Mass Busi- city residents choose contestants online. City “All contestants, their families and friends It took part in a joint city event in Surgut ness teams for working at the Bank’s promo residents follow the event, transformations are potential and active clients of Alfa-Bank. as a partner. stands and gathering clients’ contacts. of the contestants, and presentation of every These people always try to do more, which angle of their talent on the social media. makes them kin to Alfa-Bank,” she said. The sport event was initiated by city com- Khabarovsk residents take part munities and activists and supported by the in carnival Alfa-Bank always helps its clients develop, Subbotnik in Ufa city administration and Alfa-Bank. Hundreds so colleagues from Irkutsk Retail Business of healthy lifestyle adepts and professional The Khabarovsk branch took part in the city invited the charming participants to a seminar The collective of the Bashkortostan opera- athletes representing 15 sports federations carnival “We love you, Khabarovsk!” The event, on ways of raising financial awareness in chil- tional office took part in the spring cleaning of the city and the district gathered on a cen- which marked the 160th anniversary of the dren. The seminar exhibited demand for chil- of the Aksakov Garden. Our cooperation tral location in front of the Surgut State city, drew thousands of people wearing bright dren’s cards and financial profiling operations. started in 2017, when the Bank donated

24 Alfa Bank. Social Report 2018 25 CHARITY INITIATIVES OTHER a stage to the city on the occasion of the 20th residents. This is why the Bank chose the anniversary of its presence in the region. unique tree, ginkgo biloba, for planting.

Employees did not wait until May holidays, but Cheerful employees of the Rostov branch, their held their Subbotnik on Monday, after business families and children gathered on the alley at 9 hours. The park cleaned of autumnal foliage a.m. carrying shovels, rakes, water hoses, soil, and litter looked different and played out rolled lawns, and seedlings. in fresh colors. It is located in the city center, and has swans living on the park pond every Everyone, from the youngest Subbotnik partic- summer. ipant to the branch head, was digging.

Alfa holds Subbotnik in Rostov Teamwork, desire to help, and intensive labor bore fruit. The alley changed beyond recog- Rostov branch employees renovated the Cen- nition by lunch. Twenty-five brightly colored tral Alley of the city’s oldest park named after trees were planted, and rolled lawns were put Maxim Gorky on a July Saturday. into place under them.

The park celebrated its 205th anniversary Everyone did well and was a bit tired but proud in September, so heads of the Rostov branch of one’s doing. decided to plant 25 ginkgo biloba trees on the Central Alley. In the end, the park administration invited everyone to visit the planetarium and to watch Ginkgo biloba is a unique tree known for a movie about space. millions of years. It is a symbol of Japan. Every part of the tree contains vitamins and micro- The park director thanked employees of the elements, so fruit, stems, and leaves of ginkgo Rostov branch for caring, selfless work, and biloba are widely used in medicine, sports renovation of the alley. pharmacology, and cosmetology. http://alfa/Deps/Regions/South-Center/ The alley needed renovation for a long time: Pages/2018-07-21-«Aljfa»-v-Rostove-vishla- trees planted in the previous century were not na-subbotnik-.aspx the best solution and caused allergies in city

26 Alfa Bank. Social Report 2018 27 Art without Borders 4 Alfa-Bank supports exhibition “The Gift The agreement regulates interaction in invest- from Kazimira Basevich to the Russian ment projects bolstering regional economic Museums” growth, housing construction, and infrastruc- tural development. A unique exhibition, “The Gift from Kazimira Support for national art is a priority Basevich to the Russian Museums,” opened The negotiations were followed by a press con- of Alfa-Bank’s cultural and educational in the Yekaterinburg Fine Arts Museum with ference, where the signing of a cooperation Alfa-Bank’s support. Visitors had a chance agreement between Alfa-Bank and the Omsk activity. Throughout its history, the Bank to see Petrov-Vodkin’s Bathing of a Red Horse regional government was announced. has been participating in major projects and some exhibits from the Tretyakov Gallery. The masterpiece of Petrov-Voldkin was exhib- The governor described the Omsk region promoting development of Russian culture ited outside the Tretyakov Gallery for a second as a bustling industrial center and said that Borders and preservation of artistic values and time in 50 years. In all, over 70 masterpieces, investments should be primarily channeled into such as paintings of acclaimed artists, sculp- machine building, petrochemical sector, wood- historical monuments. Alfa-Bank boasts tures, decorative and applied art items, and working, agriculture, and small and medium support for cultural events inside and furniture from museum collections, were put business. The relevant roadmap has yet to be outside Russia and promotion of Russia’s on display. The exhibits are authored by Nich- prepared, but Alfa-Bank has already assured

Art without olas Roerich, Boris Kustodiev, Mikhail Vrubel, the region of its support. historical, cultural, and spiritual traditions and Alexander Benois. Over the years of its presence in the Omsk in the eyes of the domestic and global The exhibits were provided by three museums, region, Alfa-Bank won confidence of the local public. namely the Yekaterinburg Fine Arts Museum, population and proved itself as a reliable part- the Tretyakov Gallery, and the Sukachev Irkutsk ner of small and medium companies. Regional Fine Arts Museum, to pay tribute to three generations of the Basevich-Lotarev The signing ceremony was followed by a the- family, who donated a large portion of their col- atric performance. The project was presented lection to the Russian museums. by Alfa-Bank, which promotes cultural events in the region as a partner. The federal media outlet Sobaka organized the traditional award ceremony of Top 50 Famous The musical-and-poetic performance titled People of Yekaterinburg in the Urals capital. “Hooligan. Confession” was staged at the The award is annually presented by the journal Omsk Philharmonic Society and Russian Peo- Ekb.Sobaka.ru. Alfa-Bank was contesting in the ple’s Artist Sergey Bezrukov was starring inaugural nomination “Business in Culture” with as popular Russian poet Sergey Yesenin. The the exhibition “The Gift from Kazimira Basev- performance had an unusual format, which ich to the Russian Museums,” organized by the awed Omsk viewers. The audience gave an ova- Bank, the Yekaterinburg Fine Arts Museum, and tion to Bezrukov, who recited another verse the Tretyakov Gallery. Elena Razumovskaya, of the great poet in an encore. the Urals regional center’s corporate business director, presented the project. There were It was obvious from the audience’s reaction three other contestants in the nomination, yet that they loved the performance. the Alfa-Bank project won the online vote. Meanwhile, Alfa-Bank employees gave consul- Cooperation agreement with Omsk regional tations and held a lottery in the lobby. Before government, Bezrukov’s performance the performance, representatives of the Alfa- Bank Central Office and managers of the Omsk Negotiations and signing of a cooperation agree- operational office had an informal meeting with ment between Alfa-Bank and the local authorities key Omsk clients invited to the performance. took place at the Omsk regional government’s headquarters on November 27. The intentions The events were part of the operational were affirmed by signatures of Alfa-Bank Board office’s relocation to a new building, which of Directors First Deputy Chairman Oleg Sysuyev opened on January 16, 2019, simultaneously and Omsk Governor Alexander Burkov. with the Irtysh credit-and-cash office.

30 Alfa Bank. Social Report 2018 31 BORDERS WITHOUT ART Novokuznetsk celebrates 400th jubilee top managers visited the region in summer 2018. “The regional government appreciates Alfa’s Alfa-Bank has completed renovation of Kuz- contribution to the local economy and is aware bass’ oldest educational establishment. of the Bank’s involvement in significant social and cultural programs,” Yury Berg said. “Our On the city jubilee’s occasion, Alfa-Bank and the film festival is growing, developing, and promot- Novokuznetsk Local History Museum supported ing quality films, which develop artistic taste by the Novokuznetsk city administration accom- and high moral qualities. Due to its location plished a socially significant project: refurbished between Europe and Asia, the Orenburg region facades of a regional architectural monument, is a blend of two different world orders. A dia- a branch of the Novokuznetsk Local History logue between the West and the East is a cru- Museum (the First Kuznetsk District School). cial task of our social development. Cinematog- raphy brokers this dialogue. Films allow us to Novokuznetsk deputy head for social affairs take a deeper look at history of other states, Grigory Verzhitsky told the press, “Every learn about their traditions, and try to under- event related to the 400th anniversary stand and accept one another,” he said. Oren- of Novokuznetsk comprised an integral process, burg operational office manager Sergey Aparin which was complicated but interesting. It started made an address to the festival on Alfa-Bank’s 400 days before the jubilee, and something new behalf. He underlined that Alfa-Bank was proud was added on a daily basis. It was a targeted to be a part of the spectacular international cul- process owing to the principle of involvement tural event in the region and would keep assisting of every citizen, resident, company and institu- in cultural initiatives, which give people in various Alfa-Bank presents Ufa with dance floor Alfa-Bank presents New Year opera tion. We succeeded in doing so, and created a full cities of Russia access to modern art. The festi- to Nizhny Novgorod clients picture of the city and its history.” val featured over 70 films in eight programs. The Music was playing, the sound of applause was international jury was led by acclaimed Italian audible, and honorable guests cut the red rib- Alfa-Bank’s Nizhny Novgorod branch continued The works began in early June. The façade composer, director and producer Pivio (Roberto bon in one of Ufa’s oldest parks, the Aksakov its tradition of theatrical seasons for clients was renovated, and the museum premises Piscuitta) and included script writers and actors Garden of Culture and Leisure. with the unique project Midnight Opera. were equipped. The monument introduces from Turkey, France, and Russia. Orenburg film Novokuznetsk residents and tourists to social, centers and parks hosted the festival on the The first dance floor was ceremoniously Performance by soloists of the Mariinksy The- economic, and cultural aspects of the city his- last week of summer. Actors and directors pre- unveiled in the Ufa Park on the World Heart ater and major operas of the country took tory and people related to the Kuznetsk Dis- sented master classes, thematic meetings, Day. Medical students and heads and employ- place on one of the city’s most beautiful trict School. and premieres in the city of Orenburg and the ees of the Republican Center of Cardiology and New Year venues, the panoramic restaurant region. The festival’s opening ceremony at the the Health Ministry attended the ceremony. E11even. Alfa-Bank supports 11th East-West Orenburzhye Sports and Culture Center had International Film Festival in Orenburg an almost-4,000 turnout, and more than 20,000 The dance floor was built of old-fashioned Nizhny Novgorod clients were impressed city residents and tourists greeted stars on the stone blocks next to the covered wooden stage by their first Midnight Opera experience, and The Bank has acted as a partner of the red carpet. The ceremony was hosted by cele- that appeared last year. The dance floor and performers Anastasia Maximova, Dmitry East&West. Classics and Avant-garde Interna- brated showmen Leonid Yarmolnik and Nikolay the stage are the gifts made by Alfa-Bank Koleushko, Kristina Beznosova, and Semyon tional Film Festival, a key cultural event of the Fomenko. The closing ceremony took place and to city residents in collaboration with the Ufa Zaborin were charmed by the warm wel- Orenburg region, for the second time. The fes- the awards, “Golden Sarmatian Lions,” were pre- Kirovsky district administration. come and the sincere interest of the Nizhny tival was established by the Fabrika Art Kino sented at the Gorky Orenburg Drama Theater. Novgorod public. company (formerly known as Rossfilm) and the The ceremony was hosted by actors Olga Stash- A road-mobile cardio-module was deployed East-West Center for the Promotion of Modern kevich and Danila Dunayev. Alfa-Bank used the to the Aksakov Garden and everyone wishing The Bank clients watched classic perfor- Art in 2008, and held in Orenburg for the 11th exclusive right to place its symbols and market- could undergo a check. mances of world opera stars and had a chance time in 2018. Its partners are the Russian Cul- ing materials on every festival venue. Bank spe- to receive the soloists’ autographs and to take ture Ministry and the government of the Oren- cialists introduced guests to retail and corporate The official ceremony was followed by a danc- a joint photo. The evening continued to the burg region. Tatiana Voronetskaya, a film direc- products and services on the festival’s sidelines. ing flash mob, which started a cardio-race. accompaniment of the Damskiye Palchiki tor, producer, and General Director of Fabrika Regional management attended the opening and string quartet of the Nizhny Novgorod Oper- Art Kino, is the festival president. Over years, closing ceremonies. http://alfa/Deps/Regions/Povolzhje/ ate. The guests lingered on and kept sharing festival organizers have been uniting film indus- Pages/2018-10-01-Aljfa-Bank-podaril-Ufe- impressions. tries of Eurasia as the world’s first co-produc- http://alfa/Deps/Regions/Ural/Pages/2018-10- tancploschadku.aspx tion actor. The Orenburg governor offered Alfa- 02-Aljfa-Bank-v-Orenburge-podderzhal-XI- Bank to be a festival partner when the Bank’s MKF-Vostok---Zapad.aspx

32 Alfa Bank. Social Report 2018 33 BORDERS WITHOUT ART Golden Fund of Future Generations 5 A major objective of Alfa-Bank’s charity and social policy is to help talented young people develop, be successful in studying, dare to be more, and become leaders. Their of Future of Future future is the future of Russia. So, the Bank is implementing a variety of projects that find and support Generations Golden Fund Golden Fund gifted children and teens.

Alfa-Chance scholarship program All-Russia economic competition for receive memorable prizes from the Bank. schoolchildren Winners have the right of admission to any The Alfa-Chance scholarship program was higher educational establishment of Russia launched over 20 years ago. Alfa-Bank pro- Alfa-Bank annually rewards winners without taking admission exams, and study for vides best students of Russia’s leading higher of the all-Russia economic competition for free. Sometimes they also receive Alfa-Chance education establishments with personal schol- schoolchildren, which is held in spring by the scholarships as students of Alfa-Bank’s part- arships for the first two years of their studies. National Research University Higher School ner universities. The program supports talented young people, of Economics. Bank representatives come their intellectual development, professional to the final stage of competition as honorary orientation, and continuous education. This guests to support the contestants whose is a strictly charitable undertaking: scholar- intellect and will are tested. Winners, who rank ship holders have no obligations to the Bank. first, second, and third in the competition,

36 Alfa Bank. Social Report 2018 37 GENERATIONS OF FUTURE FUND GOLDEN Alfa Fellowship international program 6

Alfa-Bank’s international programs bolster cooperation between Russia and leading countries. The Bank actively maintains and develops the Alfa-Fellowship Program, which invites young U.S., British, and German specialists to internship positions in Russia.

Founded in 2004, Alfa Fellowship Program More than 170 young specialists have had suc- West, strengthening the cultural dialogue, and Alfa Fellowship Fellowship Alfa offers internship to young professionals from cessful internship in Russia over the years of the fostering Russia’s relations with the United the United States, the United Kingdom, and Alfa Fellowship Program, which has proven States, the United Kingdom, and Germany. Germany. to be a powerful instrument of broadening professional relations between Russia and the There are internship positions in government and civil institutions and big private companies. Can- didates eligible for the Alfa Fellowship program must have a master’s degree and at least two years of work experience in the fields of business, the economy, journalist, law, or public politics. They also must be knowledgeable about Russia, international program international and European and Asian countries, and demonstrate academic and professional achievements, initiative, and leadership qualities.

The Alfa Fellowship Program aims to develop and strengthen socio-cultural relations between Russia and the West. Upon their return from Russia, Program alumni continue their career in leading positions in private companies and government agencies of their countries. They can influence decisions on economic, legal, and political interaction with Russia as experts with work experience in our country.

40 Alfa Bank. Social Report 2018 41 PROGRAM INTERNATIONAL FELLOWSHIP ALFA Literary awards 7

Alfa-Bank not only supports cultural awards

Literary Literary projects but also pays attention to Russian literature. Being aware of the significance of modern literature to our society, the Bank co-founded the Big Book national literary award, which has been the major literary award in Russia.

The Big Book national literary award has The award was founded in 2005 by the Center Alfa-Bank Board of Directors Chairman Petr the biggest prize fund in Russia and the CIS, for Support of Domestic Literature, co-estab- Aven presented the special prize for contribu- and ranks the world’s third by this parameter lished by AO Alfa-Bank. tion to literature to Lyudmila Petrushevskaya. (6.1 million rubles), after the Nobel Prize for Literature and the Dublin Literary Award. The In 2018, the first place was won by Maria Ste- goal of Big Book is to find and reward authors panova’s “Memory, Memory” novel, Alex- capable of making a significant input in the ander Arkhangelsky’s “Verification Office” development of culture, raising the social sig- novel ranked second, and Dmitry Bykov’s nificance of modern Russian literature, and “June” book ranked third. The prize money drawing readers’ and public attention. was credited to the winners’ Alfa-Bank cards.

44 Alfa Bank. Social Report 2018 45 AWARDS LITERARY Financial awareness 8 Alfa-Bank has addressed a key social matter and started raising financial awareness of its clients. The quality of one’s life depends on the attitude to money and the ability to manage personal finance. The Bank is interested in seeing a bigger number of financially aware and prosperous people.

Clients are trained through two channels: in the offline format at Bank offices across Russia, and in the online format on the social media and the Bank’s YouTube channel “A-Money.” This is how the Bank builds a long- term partnership with its clients and serves as their guide in the world of finance. Financial awareness

48 Alfa Bank. Social Report 2018 49 AWARENESS FINANCIAL FIFA World Cup 2018 9

Cup 2018 Cup Our country played host to the FIFA World Cup for the first

FIFA World World FIFA time in 2018, and Alfa-Bank was designated as the tournament’s official partner.

There was a massive, nationwide campaign, as a result of which Alfa-Bank clients received 3,000 tickets to FIFA World Cup matches and 5,000 related souvenirs. Lionel Messi was the face of Alfa-Bank’s promotion.

52 Alfa Bank. Social Report 2018 53 2018 CUP WORLD FIFA Alfa Future People 10 Alfa-Bank has been the general partner of the grandiose music and technology festival, Alfa Future People, since 2014. The world-class event has been gathering crowds of modern electronic music fans near Nizhny Novgorod for four years in a row.

The project combines performances of best world and Russian DJs, state-of-the-art technologies, and audience — young progressives from all over the world.

Over 100 domestic and foreign DJs, new

Alfa Future People Future Alfa technologies and gadgets, unforgettable sport The fifth most anticipated and massive event DVBBS, Gareth Emery, Going Deeper, KSHMR, events, and unique atmosphere stand for Alfa of modern electronic music and technology Swanky Tunes, Vini Vici, Yellow Claw, Modestep Future People gathering tens of thousands in Russia, Alfa Future People 2008, took place and many others played their sets on four of people united by music and aspiration to see on August 10-12 in the town of Bolshoye Kozino unique stages. The jubilee festival had a record something new and unexplored. in the vicinity of Nizhny Novgorod. Tiesto, Steve turnout of 52,000 visitors from 20 states. Aoki, Alesso, Afrojack, Aly&Fila, Aphrodite, Guests of the festival were invited to hear kilo- tons of quality sound from celebrated electronic music performers, attend hours of lectures on futuristic subjects, and enjoy advanced infrastructure, and the biggest stage in Russia. In 2018, designers and architects went beyond expectations and created a stage worthy of the jubilee festival visited by people from every part of the world.

56 Alfa Bank. Social Report 2018 57 PEOPLE FUTURE ALFA Corporate Communications 11 A successful entity relies on effective human interaction between superiors and subordinates, employees of various business and support units, and members of project teams. Unhindered communication makes a team efficient, helps rapidly accomplish objectives, and involves all employees in the work process.

This is achieved through corporate communi- Conference of top managers Regular meetings between management and cation: instruments of notification, feedback, employees and exchange of practices, which rapidly More than 500 key managers of the Bank from inform employees about major events and all over the country gather in Moscow each • Business Public talk. Regional managers transformations in the Bank, invite them year to discuss work process adjustments due meet with employees once in every six to share opinions and practices, and, most in the coming 12 months. Shareholders and top to 12 months to speak about achievements importantly, help understand the trajectory managers speak about the Bank’s results and of their business units and work priorities of the Bank’s advancement, a connection strategy, while managers discuss achievement and to answer questions of employees. between its goals, mission and values and daily of their goals in interactive sessions. The con- In Moscow, the CEO and unit heads meet operations, and ways to succeed and develop ference is broadcast on the Alfa-World portal with key managers to discuss the achieve- inside the organization. and in video-conferencing and tele-conferenc- ment of strategic objectives. ing formats. All Bank employees in all regions Alfa-Bank employees have access to the fol- of the country can see and listen to managers’ • Meeting and conferences between unit lowing corporate communication channels: presentations live. heads and medium-level management with the participation of managers of affiliated Alfa-World corporate portal Road-shows units

The portal offers news of the Bank and its Bank top managers go on annual road-shows • Business breakfasts. Employees meet with units, employees’ blogs, practical, information, to meet with employees and heads of branches top managers in a narrow format to ask and forums. This is the main source of infor- and operational offices, speak about the Bank’s any questions in the informal atmosphere. Corporate Communications Corporate mation relevant for work. Announcements, priorities, and answer questions of employees. Themes and plans of such meetings are campaigns, orders, and directives are published intentionally not set in advance. and updated online. This is also the central Internet platform for communication between Bank employees.

60 Alfa Bank. Social Report 2018 61 COMMUNICATIONS CORPORATE Feedback life situations. Some of them are fighting a serious illness, somebody’s family members Corporate Communication Department have suffered a tragedy, and some have lost employees organize focus groups in which their home as a result of an accident. The Bank employees share opinions on the activity of the tries to respond to every appeal for help sent Bank and their units, the Bank’s interaction by colleagues. with personnel, and opportunities provided to employees by the Bank. Regretfully, some of the stories published in the “Colleagues, Your Help is Needed” blog Assistance to employees in difficult life do not have a happy ending, but contributions situations actually help many people. The Bank gathers statistical information and feedback and While backing charity initiatives, Alfa-Bank publishes regular (quarterly) reports, which never forgets about its employees. The show that any assistance is important and Bank’s corporate portal has a blog entitled, appreciated. Thirty-one appeals were pub- “Colleagues, Your Help is Needed,” which lished in the blog in 2018, and colleagues raised publishes appeals by colleagues in difficult 9 million rubles.

62 Alfa Bank. Social Report 2018 63 Contributing to Common Cause — WWF 12 WWF Alfa-Bank cares about bio-diversity in our country, so it has been cooperating with the World Wildlife Fund, which promotes conservancy and restoration of flora and fauna, for 16 years. The Bank not only supports the Fund’s initiatives but also enables its clients to contribute Contributing to environmental protection.

he World Wildlife Fund (WWF) is a leading WWF Russia was established in 1994. The fund WWF Corporate Club international nature conservancy organization acquired the status of a Russian national orga- that unites about 5 million followers and nization in 2004, while remaining a participant Being a member of the WWF Corporate Club, operates in more than a hundred countries. in the WWF international movement. The fund Alfa-Bank gives constant support to WWF It is the WWF’s mission to stop accelerating has implemented over 370 nature conservancy Russia’s projects and makes annual contribu- degradation of the planet and to achieve projects within 24 years of operation. tions to the fund’s budget. harmony between people and nature. The main goal is to preserve bio-diversity on Earth. Visa — Alfa-Bank — WWF to Common Cause — to Common

The unique project of Visa Charity Card — Alfa- Bank — WWF has been successful for 13 years. One percent of the cost of each buy made by the cardholder is transferred by the Bank to the Fund’s nature conservancy programs.

66 Alfa Bank. Social Report 2018 67 WWF CAUSE — TO COMMON CONTRIBUTING