The document provides financial information about a bank for investors. It includes quarterly financial results showing increased revenues, growth in retail lending, and return on equity above 10%. Contact information is provided for investors to obtain additional details from the bank's website or by email and phone.

2. All information for the investors is available on the Bank’s web site: https://www.bspb.ru/en/investors/
Contact information:
E-mail: ir@bspb.ru
Phone: +7 812 332 78 36
2

3.  Strong Revenues driven by trading and F&C income RUB 4.1 bn
 F&C income 23% growth y-o-y
 Solid quarterly growth in retail lending 16%
 Provisioning goes down
 ROAE back to double digits 10.8%
 Costs flat
 NIM decrease is the only 1Q weakness
3

4. In RUB bn
Jan. 1, 2013
Apr. 1, 2013
YTD
Apr. 1, 2012
Jan. 1, 2013
Apr. 1, 2013
q-o-q
y-o-y
Total assets
351.37
348.86
-0.71%
340.70
351.37
348.86
-0.71%
+2.39%
Gross Loans
246.50
256.09
+3.89%
232.11
246.50
256.09
+3.89% +10.33%
Customer Deposits*
228.04
236.14
+3.55%
224.47
228.04
236.14
+3.55%
+5.20%
Total Capital
48.89
50.86
+4.03%
46.49
48.89
50.86
+4.03%
+9.39%
FY 2012
1Q 2013
1Q 2012
4Q 2012
1Q 2013
q-o-q
y-o-y
Net Interest Income
11.98
2.99
2.92
3.10
2.99
-3.68%
+2.19%
Net Fee and
Commission Income
2.35
0.59
0.48
0.70
0.59
-15.63% +23.31%
Revenues**
15.10
4.13
3.63
4.02
4.13
+2.73% +13.82%
Net Income
1.30
1.08
0.12
0.37
1.08
+189.35% +775.97%
FY 2012
1Q 2013
1Q 2012
4Q 2012
1Q 2013
Net Interest Margin
3.85%
3.71%
3.75%
4.00%
3.71%
-0.29 PP -0.04 PP
Cost/Income Ratio
47.63%
39.86%
46.50%
50.83%
39.86%
-10.97 PP -6.64 PP
ROAE
3.24%
10.75%
1.24%
3.69%
10.75%
+7.06 PP +9.51 PP
q-o-q
* Customer deposits are calculated as a sum of customer accounts and promissory notes (other debt securities in issue)
** Revenues calculation: gains from investment securities available for sale are excluded from revenues as one-off
y-o-y
4

5. * Provisions for 3Q 2012 reduced by the gain from disposal of investment property RUB 214 mln (related to the problem KD Avia loan)
5

6. • Third quarter in a row of RUB 4 bn+ revenues
• F&C income 23% growth y-o-y
• Provisions put less pressure on ratios
• Costs flat
• ROAE returns to 10%+ level
*Property tax is excluded from other administrative and operating expenses and included in expenses related to premises and equipment.
6

7. Average interest rate
Average balance
Contribution to NIM change:
Contribution to NIM change:
Loans and advances to customers
Due to banks
-6 bp
+27 bp
Loans and advances to customers
+8 bp
Amounts receivable under reverse repo
+3 bp
Trading securities pledged under repo
Amounts receivable under reverse repo
-31 bp
+7 bp
Due to banks
-15 bp
Retail term deposits
-8 bp
Retail term deposits
-7 bp
Corporate term deposits
-6 bp
Corporate term deposits
-3 bp
Bonds issued
+9 bp
Bonds issued
-9 bp
Total
-15 bp
Total
-16 bp
Other factors: +2 bp
7

8. • Collected interest on restructured loans is a key factor for
asset yields fluctuation
• Maths effect has further influence on NIM
• Loans/Deposits Ratio close to targeted 100%
* Average assets: loans, due from banks, securities portfolio, correspondent accounts
** Average liabilities: due to banks, customer accounts including current accounts, debt securities in issue
8

9. 
16% growth in retail portfolio

Retail loans 82% growth y-o-y

Large customer base: over 1.2 million retail customers as of
April 1, 2013

Internet-Bank – 182,100 users

The number of cards totalled to 766,320

572 ATMs

BSPB ranked 3d among all banks and 1st among
the privately-owned banks in St. Petersburg mortgage
lending market

17.3% share in new mortgage lending during 1Q13
9

10. • Loan portfolio growth in 1Q 2013:
Before provisions: +3.9% compared with January 1, 2013
After provisions: +3.9% compared with January 1, 2013
• As at April 1, 2013:
Corporate overdue loans – 5.61% (5.31% as at January 1, 2013)
Retail overdue loans – 3.52% (3.65% as at January 1, 2013)
• RUB 96.1 mln of the loan portfolio written off in 1Q 2013
Note: Provision charge calculation: net result on recognition/early redemption of loans granted at non-market rates
Provisions for 3Q 2012 reduced by the gain from disposal of investment property RUB 214 mln (related to the problem KD Avia loan)
Overdue loans and impaired not past due loans include the whole principle of loan at least one day overdue or impaired
10

11. Due from banks 1.0%
Amounts under
reverse repo 1.8%
Fixed and other assets
6.4%
Cash & cash
equivalents
7.9%
Securities portfolio
16.7%
Other 0.7%
Capital markets
7.5%
Trading shares
0.05%
Trading bonds
31.9%
Corporate shares
0.05%
Corporate Eurobonds
14.0%
Shareholders’
equity
11.8%
Due to banks
12.3%
Trading bonds
pledged under sale
and repurchase
agreements
68.1%
Corporate bonds
77.0%
Municipal bonds 7.2%
Federal loan bonds (OFZ)
1.7%
Customer accounts
(individuals)
30.0%
Loans and advances
to customers
66.2%
• Conservative approach to risk:
90%+ of the debt securities belong to the CBR Lombard list
Customer accounts
(corporates)
37.7%
• Average duration is 1.4 years
• No exposure to Cyprus and other problem European assets
* Trading securities portfolio includes trading securities and trading securities pledged under sale and repurchase agreements
11

12. •
•
338.1
354.5
370.8
Dividend payment (RUB 867 mln) will affect Tier 1 and
total CAR in 1H 2013
Rights issue approved by AGM and supported by major
shareholders
276.8
218.6
12

13. Dividends
AGM made the decision on payment of dividends for 2012:
• ordinary shares: RUB 0.11
• preferred shares: RUB 0.11
• type A preferred shares: RUB 12.76
Total sum of dividends: RUB 867,382,443
Two new independent Supervisory Board members were elected:
• Marlen Manasov (Board member at Sovkomflot, previously Board member at RTS, UBS Bank)
• Zakhar Smushkin (Chairman of Board at Ilim Group)
Conversion of Type A preferred shares
May 15, 2013 – type A preferred shares were converted into
ordinary stock
Shareholders equity structure after the conversion
Rights issue
110 mln ordinary shares
3Q 2013 – rights issue supported by major shareholders (up to USD 100 mln)
Both ordinary stock and Type A preferred stock will have pre-emptive rights
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14. 14