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National Bank TRUST

Status Update. National Bank TRUST. 1st Quarter 2007. Disclaimer.

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National Bank TRUST

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  1. Status Update National Bank TRUST 1st Quarter 2007

  2. Disclaimer This presentation has been prepared and issued by National Bank TRUST. This publication is intended for professional and institutional customers. Any information in this presentation is based on data obtained from sources considered to be reliable, but no representations or guarantees are made by National Bank TRUST with regard to the accuracy of the data. The opinions and estimates contained herein constitute our best judgment at this date and time, and are subject to change without notice. This presentation is for information purposes, it is not intended to be and should not be construed as an offer or solicitation to acquire, or dispose of any of the securities or issues mentioned in this presentation. National Bank TRUST and/or its subsidiaries may use the information in this presentation prior to its publication to its customers. National Bank TRUST or its employees may also own or build positions or trade in any such securities, issues, and derivatives thereon and may also sell them whenever considered appropriate. National Bank TRUST may also provide banking or other advisory services to interested parties. National Bank TRUST accepts no responsibility or liability whatsoever for any expense, loss or damages arising out of, or in any way connected with, the use of all or any part of this presentation.

  3. NBT’s profile NBT in figures: 31/03/07 IFRS (RUB mln.) unaudited • Total Assets: 48.057 • Net profit: 81 • Shareholders’ equity: 4,419 • Loan portfolio: 27,834 Branch Network as of 1st of April, 2007 Products: Full range of commercial banking services to corporate and private clients with primary focus on Retail and SME loans to corporate and individual customers as well as to federal and municipal governmental entitiesin Russia, Key Clients: Mass Retail segment, Trade and Service Industries, SME; Current Geographical Coverage: Strong presence in cities with population of over 100,000 and satellite towns of large cities Strategic Goal: In the next two years to become a TOP 5 Russian retail and SME bank in Russian regions with high growth potential based on • size of assets • number of clients • coverage of branch network 133 offices in 81 cities of Russia Current work in progress on 44 offices, with 15 planned to open by July 2007 Employees:5,860 Ratings: • “B1”, outlook “Positive” by Moody’s • “B-” , outlook “Stable” by Fitch

  4. Ist Quarter 2007 Snapshot Financials • Raised sub-debt by issuance of 5.5 year CLN for Usd 20 million • Achieved all major budget targets for the quarter People • Hired 331 people • Implemented SAP-HR system branch-wide, for HR Management and remote learning • Trained 823 staff, mainly in sales Systems • Upgrades implemented for Front Office retail products • Systems enhanced in readiness for securitisation • Automation of Mortgage back office process under testing Network Expansion • Opened 6 Offices in Armavir, Kovrov, Nizhny Tagil, Komsomolsk-na-Amure, Kursk and Kazan

  5. Financial Overview Key indicators, RUR mln Key financial ratios, % Headcount 2,698 3,505 5,529 5,860 6,173

  6. Key financial ratios, % * - 12,6% pre-capital injection

  7. Assets structure Increasing loan portfolio in assets structure 2006 vs.1Q07 2007 Budget Total assets. RUR mln. Loan portfolio. RUR mln. 68,566 53,220 48,057 44,669 39,360 27,834 29,715 24,847 16,379 9,005 2004 2005 2006 1Q07 2004 2005 2006 1Q07 2007 Budget 2007 Budget

  8. Loan portfolio structure Changes in loan portfolio structure 2005 1Q07 2007 Budget 2006 93% of retail and SME business is conducted in the Regions

  9. Liabilities structure Funding structure 1Q07 2007 Budget

  10. Retail Banking Retail portfolio size (RUR bln.) • First Quarter Developments: • Planned volume numbers achieved • Launch of Application Credit Cards and open market Cash Loans in whole network • Implementation of motivation system for senior level sales staff 29.4 1.5 4.5 13.7 0.05 8.2 12.4 0.5 10 0.4 5.4 8.1 0.3 5.4 5.3 0.2 5.1 3.2 15.2 1.9 7.7 6.5 3.4 4.7 4.6 1Q06 2Q06 3Q06 1Q07 4Q06 2007B Cash Auto Cards Mortgage Retail deposits, RUR bln. Number of clients in portfolio (thousand) 553 15.8 11.8 12.1 190 44 281 7.3 234 13.0 68 8.8 168 48 30 4.5 8.3 19 128 29 319 85 4.1 27 11 183 2.2 19 23 157 122 66 94 3.2 3.4 3.3 2.8 2.3 1Q06 2Q06 3Q06 4Q06 1Q07 2007B 2004 2005 2006 1Q2007 2007B Call deposits Term deposits Cards Auto Cash

  11. SME Banking SME portfolio size (RUR mln.) • First Quarter Developments: • Planned budget numbers achieved • Issued first “Medium” Loan • Increased sales to 53 offices (49 in Dec 06) 12,320.9 3,397.3 SME Loans structure as 1Q2007 2,282.6 716.9 21.8 295.2 1Q06 2Q06 3Q06 4Q06 1Q07 2007B Number of clients 1Q2007 2007 budget 10,977 5,988 3,842 1,403 571 30 1Q06 2Q06 3Q06 4Q06 1Q07 2007B

  12. Corporate Banking Corporate loans (RUR bln.) 14.1 12.5 11.8 11.7 7.9 • First Quarter Developments: • As planned, loan portfolio stable • Focus on new segmentation • Cross sold 2 deals with IBT 2007B 2004 2005 2006 1Q07 Corporate deposits (RUR bln.) 27.3 23.1 23.0 5.9 19.0 17.8 6.9 6.4 1.0 7.5 21.3 16.3 16.6 16.8 11.5 2004 2005 2006 1Q2007 2007B Call deposits Term deposits

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