DGAP-News

Sberbank: Sberbank releases Financial Highlights for 1M 2013 (under RAS; non-consolidated) - Seite 2

redemptions of part of the OFZ portfolio.

The Bank lent about RUB280 bn to corporate clients in January 2013.
Corporate loan portfolio declined by RUB81 bn as a result of substantial
volumes of repayments by large corporate clients.

Retail customers were granted about RUB120 bn in January. Retail loan
portfolio grew by RUB11 bn.

Overall low lending activity is rather typical for January.

The share of overdue loans increased from 2.69% to 2.74% as a result of
contraction of the loan portfolio. Coverage remained high, with loan-loss
provisions at RUB613 bn, or 2.3 times the overdue loans as of February 1,
2013.

Investment portfolio decreased by 3.2% in January as a result of sale and
redemptions of a number of OFZ series.

After a substantial inflow of retail deposits and accounts in December, the
ending balance in January saw a decline of 2.4%. Such behavior is rather
traditional for the beginning of the year. The major part of the outflow
via bank cards took place during the winter holiday period. At the same
time the stability of deposits retained at the Bank was higher in January
2013 than for same period last year. Furthermore, the saving certificates
portfolio increased by 7.8% thanks to active promoting of the product.

Corporate deposits and accounts increased by 2.7% in January from inflow of
funds to current accounts. Furthermore, the Bank issued its first Eurobonds
denominated in rubles in January, which resulted in an inflow of funding of
RUB25 bn.

A positive January trend was a substantial decline in the CBR and Federal
Treasury funding, from 10.5% to 8.1% of total funding.

Regulatory capital (under CBR regulation No. 215-P) came to RUB1,703 bn as
of February 1, 2013. Capital increased by 1.5% in 1M 2013, fully attributed
to net profit.

Capital adequacy ratio of the Bank (under RAS) increased from 12.6% to
12.9% in January. Growth factors were net profit and a single time decline
in the corporate loan portfolio.

Sberbank´s Financial Highlights for 1M 2013 (under RAS; non-consolidated):
http://sberbank.ru/common/_en/img/uploaded/files/info/en/info_as01022013en
.pdf

Sberbank´s internal methodology:
http://sberbank.ru/common/_en/img/uploaded/files/info/internal_methodology
_guide.pdf

07.02.2013 EquityStory.RS, LLC´s Distribution Services include Regulatory
Announcements, Financial/Corporate News and Press Releases.
Media archive at www.dgap-medientreff.de and www.dgap.de

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Language:     English
Company:      Sberbank
              19 Vavilova St.
              117997 Moscow
              Russia
Phone:        [phone]
Fax:          
E-mail:       [e-mail]
Internet:     www.sberbank.ru
ISIN:         US80585Y3080, RU0009029540, RU0009029557
Listed:       Open Market (Entry Standard) in Frankfurt; MICEX, RTS

End of Announcement                       EquityStory.RS, LLC News-Service

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