DECEMBER 2013 ROSBANK ACKNOWLEDGED LEADER ON RUSSIAN FINANCIAL MARKET

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1 DECEMBER 2013 ROSBANK

2 SOCIETE GENERALE GROUP Founded in 1864 in France One of the leading international financial groups; the largest asset outside France is Rosbank 32 mln clients in retail banking and financial services More than employees in 76 countries worldwide "Best Bank in France", "Best Global Structured Products House", "Best EquityHouse in France" ( Euromoney magazine, July 2011) December 2013 P.2

3 SOCIETE GENERALE GROUP Core business divisions: French Retail Banking International Banking and Financial Services (IBFS) Global Banking & Investor Solutions (GBIS) Solid and profitable bank Group performance results Q3 2013: net income EUR 976 mln net banking income EUR 5.7 bln high Tier One Ratio, Basel 3 9,9% Societe Generale Ratings A Standard & Poor s A2 Moody s Data as of October 1, 2013 A Fitch December 2013 P.3

4 "AMBITIONS SG 2015" PROGRAM The program is aimed at becoming THE relationshipfocused bank, a reference in its markets. The bank chosen for the quality and commitment of its teams. "Ambition SG 2015" in Russia: Creation of the key player in the market, aimed at establishment of long-term partner relationship with customers Creation of a unique team and common corporate culture for Russian subsidiaries Increase of business synergy Modernization of information systems Consolidation and transformation of the Group s assets December 2013 P.4

5 SOCIETE GENERALE GROUP: MORE THAN A CENTURY IN RUSSIA 1872: first investments into Russian enterprises: forge and metallurgical works in Donetsk, French- Russian metallurgical works in St Petersburg, shipyard construction in Nikolaev 1910: foundation of Banque Russo-Asiatique with the largest network in Russia (175 outlets) 1917: termination of business in Russia 1973: return to Russia, opening of representative office in Moscow 1993: foundation of Banque Societe Generale Vostok (BSGV) the first foreign bank to acquire the General License from the Central Bank of Russia 2003: creation of BSGV Leasing and launch of retail banking services; BSGV becomes a universal bank 2004: introduction of specialized subsidiaries: Rusfinance Bank (consumer loans) and ALD Automotive (car fleet leasing and management) 2005: acquisition of DeltaCredit Bank, one of the leaders on the Russian mortgage lending market 2006: introduction of SOGECAP (insurance services); acquisition of 20% minority stake in Rosbank, one of the leading playes in the Russian banking sector : gradual increase of the share in Rosbank (up to 82,4%); finalization of assets consolidation in Russia: January 2011 Rusfinance and DeltaCredit become 100% Rosbank subsidiaries June 2011 BSGV is merged with Rosbank July 2011 New united Rosbank starts operating 2012: 140 years of Societe Generale presence in Russia December 2013 P.5

6 SOCIETE GENERALE IN RUSSIA: TODAY Universal bank Consumer lending 1 st place among subsidiaries of foreign banks in Russia in terms of Tier 1 capital One of the leaders in consumer lending market One of the leading banks in car lending Mortgage The first specialized mortgage commercial bank in Russia Top 3 in mortgage lending in Russia December 2013 P.6

7 SOCIETE GENERALE IN RUSSIA: TODAY Leasing Factoring One of the largest leasing companies in Russia No.2 in Russia in terms of non-recourse factoring No.4 in terms of financing rendered Worldwide leader in operational leasing and car fleet management Insurance Other assets Represented by two companies in Russia: Societe Generale Life Insurance Societe Generale Insurance (property and life insurance) The largest company in Russia rendering a full range of cash catering services December 2013 P.7

8 ROSBANK The largest international financial structure in Russia Societe Generale international financial group is the major shareholder of Rosbank Stable and solid financial institute Universal bank focused on all segments of clients Bank with a full range of products and services, having market expertise, giving support in international activity Trusted partner aimed at long-tem relationship sharing the goals of its customers and striving to grow together with them December 2013 P.8

9 ROSBANK: FACTS AND FIGURES 1 among subsidiaries of foreign banks in Russia by Tier 1 capital (Top 100 World Banks 2013, The Banker, July 2013) 3 among Russian private banks with the largest retail network (RBC Rating, 2013) 4 by the size of retail credit portfolio (RBC Rating, 2013) Strong client base 3,1 mln individual clients corporate clients One of the largest retail networks in Russia 340 cities and towns 4 among the most valuable banking and financial brands in Russia* > about 3000 > outlets points of sales own ATMs ATMs of ORS network, arranged by Rosbank * according to Brand Finance international consulting company, February 2013 December 2013 P.9

10 SOLID FINANCIALS: KEY INDICATORS Financial results on October 1, 2013* Assets RUB 1,6 tn Capital RUB 91,1 bln Deposit portfolio RUB 239,6 bln Credit portfolio RUB 472,1 bln Rosbank Ratings Moody's Long-term Short-term Financial strength National Fitch Long-term issuer default rating Short-term Individual Support National Baa3 Prime-3 D Aaa.Ru BBB+ F2 D 2 AAA(rus) Viability rating bb+ *data as of Q3 2013, RAS December 2013 P.10

11 INCREASE OF BUSINESS PROFITABILITY Rosbank strategy on business profitability increase is performed in line with the following directions: Refinement of management and organizational structure Optimal balance of business and support lines Avoidance of duplicating positions Automatization of business processes Delegation of authority Optimization of costs and riskscontrol Implementation of the new risk assessment system Administrative expenses reduction Optimization of personnel, functionality change Network reorganization December 2013 P.11

12 BECOMING CLOSER TO THE CUSTOMER The new business model is based on client-oriented approach and increase of customer service Implementation of personal manager system Significant increase of relationship manager positions Arrangement of specialized training programs for the staff Transformation of outlet s layout and interior to make the servicing process comfortable in accordance to Societe Generale Group standards Increase of processes automatization level Realization of this program will allow the bank to reach the new level of cooperation with the customer: build long-term relations based on partnership principles, mutual support and teamwork. December 2013 P.12

13 BANKING SERVICES FOR INDIVIDUAL CLIENTS Extended product offer and individual approach to every client in 600 branches and 1200 Rosbank points of sale Cash-settlement services Debit and credit cards Classic and express lending, mortgage programs, car loans Savings and investments programs Mutual funds Internet banking, mobile client-bank, phone banking Services for wealthy retail customers Depositary services Operations with precious metals FOREX operations Documentary operations Money transfers December 2013 P.13 13

14 BANKING SERVICES FOR CORPORATE CLIENTS Full range of services for small, medium business and top corporate clients, including international companies. Individual approach to every client Small and Medium Business Lending programs, commercial mortgage, overdrafts Cash-settlement services Corporate banking cards Salary projects Universal deposit line Leasing services Large Companies Cash-settlement services Investment services Crediting, project and investment financing Documentary operations and trade financing Salary projects Factoring Leasing services Money market operations December 2013 P.14 14

15 BANKING SERVICES FOR FINANCIAL INSTITUTIONS Development of cooperation with financial institutions is one of the priority areas of Rosbank activity All types of settlement and trade finance transactions Banking cards Depositary services Interbank credits Banknote operations Securities services Operations with precious metals Investment banking services December 2013 P.15 15

16 WEALTH MANAGEMENT SERVICES Personal manager provides individual service for VIP-clients based on trust relationship Deposit VIP-line Special lending programs Exclusive banking cards Cash-settlement services under special conditions Operations with precious metals Trust asset managements Extended package of depositary services Capital market services December 2013 P.16 16

17 ROSBANK AND SOCIETY Priority lines support needy children Within the corporate charity program the bank doubles employees monetary donations. help handicapped people volunteer programs and charity actions involving employees Annual charity event held by Societe Generale Group in all subsidiaries and all countries of its presence. Within Citizen Commitment Week Rosbank employees support various charity activities. December 2013 P.17

18 ROSBANK AND CULTURE Since 1998 bank has been the general sponsor of the theater; bank supports staging of the new performances. Since 2006 bank has been the member of Moscow Kremlin Museums Friends Society and helps to organize unique international exhibition projects. Priority lines modern art classical music drama theater In 2011 Rosbank became the strategic partner of Multimedia Art Museum; bank provides active support to exhibition projects of one of the most famous institutes of modern art in Russia. December 2013 P.18

19 ROSBANK AND ENVIRONMENT Since 2003 Rosbank has been a member of World Wide Fund for Nature corporate club participating in environmental protection projects all over Russia. Priority lines environmental protection projects all over Russia Since 2011 bank has been participating in "Climate Change Week" and implementing various projects on ecology improvement. December 2013 P.19

20 ROSBANK BRAND The new logo was introduced in 2011 Red&black square demonstrates solidity, balance and strength. White line symbolizes stability and perspective Focus on Russian clients, network all over Russia and reliability Belonging to Societe Generale Group International quality standards December 2013 P.20

21 ROSBANK BRAND Rebranding of outlets: new signage and interior arrangement September 2011: first 10 pilot Rosbank outlets 2012 beginning of 2013: rebranding of all Rosbank and BSGV signage December 2013 P.21

22 CONTACTS Head office: , Moscow, Russia 34, Masha Poryvaeva str. +7 (495) mailbox@rosbank.ru December 2013 P.22