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Loan P ortfolio A nalysis

Loan P ortfolio A nalysis. The number of active Overdraft loans is consistent with the total number of borrowers and cash & settlement customers. The credit product and loan approval process requires no improvement. * Limits set. Leasing in SME.

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Loan P ortfolio A nalysis

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  1. Loan Portfolio Analysis The number of active Overdraft loans is consistent with the total number of borrowers and cash & settlement customers. The credit product and loan approval process requires no improvement. *Limits set

  2. Leasing in SME LEASING prospects are over 25% of SME portfolio by 2012 MANDATORY CONDITIONS: 1. Program covers all regions 2. Simple process, time to yes of up to 5 days. 3. Focus on cargo and passenger transportation 4. Sales channels: B2C: 40%, B2B: 60% 5. Partner incentives 6. Managers with their own partner and customer base Leasing Market Forecast for 2011 on new deals: RUB 650-700bn. Leasing portfolio in the market is RUB 5.015bn as of July 1, 2010. Most of the transactions account for corporate customers Rating of leasing companies Source:Expert rating agency

  3. Prospective Model, with a simplified process TO BE Plan disbursements for 2011 Average loan amount (statistics) Average loan amount (statistics) Small, Medium 5 954 934 279 874,398 Average time to cash 7,800,245 Average time to cash (statistics) 70% 30% Micro 2,111,400,000 8,123,453,000 Number of required applications 7,107 1,793 5 30 5,113 1,278 Number of loans Man-days Man-days Staff involved in the process in 2011 511 25,345 50 25,345 248 11,345,000 43,180,000 Payroll per year 248 100,111,000 RUB 50,000 Number of working days in 2011 RUB 55,000 Number of working days in 2011 Average monthly salary (approx.) Average monthly salary (approx.) As per model, 30 people are engaged in the process: 20 from FO, incl. 12 managers, 10 from BO.

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