Monetizer Bg- Sberbank

< PT. BARIQI PRATAMA > Jalan. Sukahaji Permai Permai III No. 1 Bandung 40152 - Indonesia Phone: +62 813 9851 ; +62 22 4214 Fax: +62 22 4214 119 Email : [email protected] [email protected] ; ; [email protected]

ND

Date 2

September , 2015

DEAR SIR, CAN YOU MONETIZE BANK GUARANTEE WILL BE ISSUE BY SEBERBANK. OUR SUMMARY OF THE CLOSING PROCEDURE AS FOLLOWING:

1. SIGNED MONETIZER FUNDING AGAINST BANK GUARANTEE AGREEMENT 2. SBERBANK SBERBANK'S 'S sends PRE ADVICE MT-799 SWIFT 3. FUNDER/LENDER’S Bank sends MT799 PAYMENT UNDERTAKING 4. SBERBANK’S sends SWIFT MT -760. 5. DISBURSEMENT BY FUNDER/LENDER'S BANK VIA MT103 SWIFT 6. DELIVERY HARD COPY BANK TO BANK NOTE : 1. 2.

OUT SIDE CLOSING PROCEDURE ABOVE – REJECTED PLEASE KINDLY INFORM US LTV

IF ACCEPTABLE PLEASE SEND US YOUR DRAFT MONETIZER AGREEMENT. LOOKING FORWARD TO HEAR GOOD NEWS FROM YOU.

BEST RGDS/H.BUDHI SUKMA GARNA MOBILE : +628122389908 – E-mail : : [email protected]

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BANK INSTRUMENT DESCRIPTION Instrument: Format: Age: Interest Rate: Term: Currency: Bank Menu: Contract Amount: First Tranche: LTV: Delivery:

Bank Guarantee (BG), Fully Cash Backed Note : If you request SBLC we can accept please send us the draft ICC 458/758, Latest Revision Fresh Cut/New Issue Zero COUPON One (1) year and One (1) day EURO SBERBANK OF RUSSIA Five Hundred Million Euro (€500,000,000.00) One Hundred Million Euro (€100,000,000.00) ND RD 2 & 3 each tranche’s Euro 200mio 65% + 2% ST 1) 1 SBERBANK’S sends Pre-Advice Pre -Advice Swift MT-799, 2) LENDER/FUNDER’S Bank sends Payment guarantee Swift MT-799, 3) SBERBANK’S SBERBANK ’S Bank sends Swift sends Swift MT-760.

< PT. BARIQI PRATAMA > Jalan. Sukahaji Permai III No. 1 Bandung 40152 - Indonesia Phone: +62 813 9851 ; +62 22 4214 Fax: +62 22 4214 119 Email : [email protected] ; [email protected]

Payment:

4) Hard copy of Instrument will be delivered to FUNDER‘S Bank via Bank Bonded courier within Seven (7) banking days AFTER receipt of payment to PTBRQ several DESIGNATED ACCOUNTS as per stated at the Agreement. Within Two (2) banking days after receipt and confirmation of Swift MT-760, LENDER/FUNDER’S ’S Bank will repurchase payment to PT.BARIQI PRATAMA’S (PT.BRQ) Bank via Swift MT-103 to several designated banking account coordinate.

TRANSACTION PROCEDURES 1.

LENDER/FUNDER’S submits Letter of Intent /Monetize Agreement along with the following: a. Signatory’s Passport copy b. Client Information Sheet c. Corporate Board Resolution d. Non-Solicitation Statement e. Company’s Certificate of Incorporation f. Irrevocable Master Fee Protection Agreement g. Non Circumvention and Non-Disclosure (NCND)

2.

PT.BARIQI PRATAMA (PT.BRQ) will countersign the LOI/Monetize Agreement and return it to the LENDER/FUNDER’S including PT.BRQ full information, the BG Issuing Bank Coordinates, PT.BRQ ’s Receiving Bank Coordinates as per provided by PT.BRQ and Signatory‘s Passport copy. Once signed by both the LENDER/FUNDER’S and the PT.BRQ, this LOI/Monetize Agreement thereby automatically becomes a full commercial recourse contract which both parties shall immediately lodge with their respective Banks.

3.

Within 24 banking hours the Bank Guarantee Issuing Bank/SBERBANK shall send a Swift MT799 Pre-Advice to the LENDER/FUNDER’S ’s Bank. (EXHIBIT A) The Pre-Advice will be valid for four (4) banking days only.

4.

Within one (1) to twelve (12) banking hours the PT.BRQ shall send a copy of the Swift MT-799 Pre-Advice to the LENDER/FUNDER for confirmation via email address to : ………………………………………………..

5.

The LENDER/FUNDER’S ’s Bank sends a Swift MT-799 PAYMENT GUARANTEE (EXHIBIT B) to several designated account as per instruction by the PT.BRQ ’s receiving Bank confirming readiness, willingness and ability to receive and fund the Bank Guarantee to be sent via Swift MT-760.

6.

Within two (2) banking days the Bank Guarantee Issuing Bank/SBERBANK shall send the Bank Guarantee via Swift MT-760 (EXHIBIT C) to the LENDER/FUNDER’S Bank. The LENDER/FUNDER’S Bank then confirms and verifies the Bank Guarantee sent via Swift MT-760.


7.

Within THREE (3) BANKING DAYS , the LENDER/FUNDER’S Bank shall send payment of the XX% (XXXX Percent) Purchase Invoice Price to several designated account as per instruction by PT.BRQ ’s receiving Bank via Swift MT-103.

Should the LENDER/FUNDER’S default to repurchase payment to the PT.BRQ and pay Intermediaries Consultancy fees as agreed on this contract within the allowed number of days after confirmation of the SWIFT MT-760, the PT.BRQ shall instruct the Bank Guarantee Issuing Bank to put a claim on the Bank Guarantee thereby forcing the LENDER/FUNDER’S Bank to return the Bank Guarantee SWIFT MT-760 to the Issuing Bank. 8.

Within seven (3) banking days after the PT.BRQ receive payment , the Bank Guarantee Issuing Bank shall send hard copies of the Bank Guarantee to the LENDER/FUNDE R’S Bank via Bank Bonded Courier.

9.

All subsequent tranches will be based on the same procedures until collateral or funds become exhausted.

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EXHIBIT A PREADVISE VIA SWIFT MT-799 (LENDER/FUNDER’S MAY REPLACE WITH BANK PREFERED TEXT) ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐MESSAGE HEADER ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ SWIFT INPUT: MT-799 SENDER: BANK NAME: BANK ADDRESS: SWIFT CODE: BANK OFFICER: AMOUNT: ACCOUNT NAME: ACCOUNT NUMBER: RECEIVER: BANK NAME: BANK ADDRESS: SWIFT CODE: BANK OFFICER: AMOUNT: ACCOUNT NAME: ACCOUNT NUMBER: IN FAVOR OF: ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐SWIFT MESSAGE TEXT‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ ATTENTION: .................. (ACCOUNT BANK OFFICER) WE -------------(ISSUING BANK AND ADDRESS)----------, HEREBY CONFIRM WITH FULL BANKING RESPONSIBILITY THAT WE ARE READY TO ISSUE AND DELIVER ONE (1) BANK GUARANTEE (BG)) ICC FORMAT ON BEHALF OF OUR CLIENT, --------------- (ORDERING CUSTOMER)---------- IN THE TOTAL AMOUNT OF €100,000,000.00 (ONE HUNDRED MILLION EURO) IN FAVOR OF (COMPANY NAME) , ACCOUNT NUMBER:XXXXXXXXXXXXXXX THIS SWIFT MESSAGE IS VERIFIABLE ON NORMAL BANK-TO-BANK BASIS WITH FULL BANKING RESPONSIBILITY, UPON RECEIPT OF CLEARANCE FROM OUR CLIENT. THERE WILL BE NO LIENS AND ENCUMBRANCES ON THIS INSTRUMENT WHICH SHALL BE DELIVERED AND AVAILED VIA MT760 AND EXACT BANK GUARANTEE (BG). THIS PRE-ADVISE IS VALID FOR FOUR (4) INTERNATIONAL BANKING DAYS ONLY AS AN OPERATIVE INSTRUMENT, NO MAIL CONFIRMATION WILL FOLLOW. ALL CHARGES ARE FOR THE ACCOUNT OF APPLICANT. FOR AND ON BEHALF OF (ISSUING BANK AND ADD RESS) THANKS AND REGARDS, ______________________ AUTHORIZED BANK OFFICER (1) NAME TITLE PIN CODE

___________________________ AUTHORIZED BANK OFFICER (2) NAME TITLE PIN CODE

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EXHIBIT B - 1 SWIFT MT-799 IRREVOCABLE PAYMENT GUARANTEE VERBIAGE PAYMENT UNDERTAKING BY SWIFT MT799 MAY VARY TO: BANK NAME : BANK OFFICER PHONE NUMBER : FAX NUMBER EMAIL S.W.I.F.T. CODE : ACCOUNT NUMBER ACCOUNT HOLDER :

: : : :

FROM: BANK : BANK OFFICER : PHONE NUMBER : FAX NUMBER : S.W.I.F.T. CODE : ACCOUNT NUMBER : ACCOUNT HOLDER : BY THE ORDER OF : TRANSACTION CODE : LENDER/FUNDER’S ’S CODE PT.BARIQI PRATAMA’S CODE

: :

71A

Details of Charges

:

72

WE, XXXX ADDRESS AT XXXXXXX HEREBY CONFIRM WITH FULL BANK RESPONSIBILITY THAT WE ARE

READY WILLING AND ABLE TO RECEIVE THE BANK GUARANTEE OF ONE HUNDRED MILLION EURO (€100,000,000.00) ISSUED BY SBERBANK OF RUSSIA VIA SWIFT MT760 TO OUR CLIENT ACCOUNT. WE, FURTHER HEREBY CONFIRM THAT OUR CUSTOMER, XXXXXXXXXXXX WITH ACCOUNT NUMBER XXXXXXXXXXXXXX HAS THE CAPACITY TO FULFIL THEIR OBLIGATION ACCORDING TO THE AGREEMENT. A PAYMENT FOR THE BG WITH A FACE VALUE OF ONE HUNDRED MILLION EURO (€100,000,000.00) UPON RECEIPT AND VERIFICATION AND CONFIRMATION OF THE BG BASED ON CONDITIONS AND TERMS OF CONTRACT WITH TRANSACTION CODE : XXXXXXXXXXX, ,WE WILL ISSUE OUT THE PAYMENT TO THE ACCOUNTS PROVIDED BY THE OUR CUSTOMER XXXXXXXXXXXX. THE INSTRUMENT SHALL BE IRREVOCABLE, UNCONDITIONAL, TRANSFERABLE, ASSIGNABLE, DIVISIBLE AND FULLY GUARANTEED BY THE ISSUING BANK. WE HEREBY CONFIRM THAT THE FUNDS FOR PAYMENT ARE GOOD, CLEAN AND CLEAR OF NON-CRIMINAL ORIGIN AND FROM LEGAL SOURCE. IN THE EVENT THAT THE SAID BANK INSTRUMENT IS NOT DELIVERED WITHIN THREE (3) BANKING DAYS AFTER ISSUE DATE OF THIS SWIFT AND OR IT IS ISSUED IN THE FORMAT NOT ACCEPTABLE TO US AND OR IT CANNOT BE SUCCESSFULLY VERIFIED, AUTHENTICATED AND VALIDATED BY US, THIS IRREVOCABLE CONDITIONAL UNDERTAKING SHALL BE TERMINATED AND BECOME VOID AND NULL IMMEDIATELY AND WITHOUT PRIOR NOTIFICATION TO YOU.


THIS CONDITIONAL IRREVOCABLE PAYMENT UNDERTAKING IS VALID FOR THIRTY (30) INTERNATIONAL BANKING DAYS SINCE ISSUE DATE AND CAN BE CONFIRMED ONLY ON A BANK TO B ANK BASIS. THIS IS AN OPERATIVE BANK INSTRUMENT AND IS SUBJECT TO THE UNIFORM COMMERCIAL CODE AS IT RELATES TO BANK CREDIT INSTRUMENT. FOR AND BEHALF OF (LENDER/FUNDER’S ’S BANK) BANK OFFICER #1

BANK OFFICER #2

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EXHIBIT B - 2 SWIFT MT-799 IRREVOCABLE PAYMENT GUARANTEE VERBIAGE PAYMENT UNDERTAKING BY SWIFT MT799 MAY VARY TO: BANK NAME : BANK OFFICER PHONE NUMBER : FAX NUMBER EMAIL S.W.I.F.T. CODE : ACCOUNT NUMBER ACCOUNT HOLDER :

: : : :

FROM: BANK : BANK OFFICER : PHONE NUMBER : FAX NUMBER : S.W.I.F.T. CODE : ACCOUNT NUMBER : ACCOUNT HOLDER : BY THE ORDER OF : TRANSACTION CODE : LENDER/FUNDER’S ’S CODE PT.BARIQI PRATAMA’S CODE

: :

71A

Details of Charges

:

72

WE, XXXX ADDRESS AT XXXXXXX HEREBY CONFIRM WITH FULL BANK RESPONSIBILITY THAT WE ARE

READY WILLING AND ABLE TO RECEIVE THE BANK GUARANTEE OF ONE HUNDRED MILLION EURO (€100,000,000.00) ISSUED BY SBERBANK OF RUSSIA VIA SWIFT MT760 TO OUR CLIENT ACCOUNT. WE, FURTHER HEREBY CONFIRM THAT OUR CUSTOMER, XXXXXXXXXXXX WITH ACCOUNT NUMBER XXXXXXXXXXXXXX HAS THE CAPACITY TO FULFIL THEIR OBLIGATION ACCORDING TO THE AGREEMENT. A PAYMENT FOR THE BG WITH A FACE VALUE OF ONE HUNDRED MILLION EURO (€100,000,000.00) UPON RECEIPT AND VERIFICATION AND CONFIRMATION OF THE BG BASED ON CONDITIONS AND TERMS OF CONTRACT WITH TRANSACTION CODE : XXXXXXXXXXX, ,WE WILL ISSUE OUT THE PAYMENT TO THE ACCOUNTS PROVIDED BY THE OUR CUSTOMER XXXXXXXXXXXX.


THE INSTRUMENT SHALL BE IRREVOCABLE, UNCONDITIONAL, TRANSFERABLE, ASSIGNABLE, DIVISIBLE AND FULLY GUARANTEED BY THE ISSUING BANK. WE HEREBY CONFIRM THAT THE FUNDS FOR PAYMENT ARE GOOD, CLEAN AND CLEAR OF NON-CRIMINAL ORIGIN AND FROM LEGAL SOURCE. IN THE EVENT THAT THE SAID BANK INSTRUMENT IS NOT DELIVERED WITHIN THREE (3) BANKING DAYS AFTER ISSUE DATE OF THIS SWIFT AND OR IT IS ISSUED IN THE FORMAT NOT ACCEPTABLE TO US AND OR IT CANNOT BE SUCCESSFULLY VERIFIED, AUTHENTICATED AND VALIDATED BY US, THIS IRREVOCABLE CONDITIONAL UNDERTAKING SHALL BE TERMINATED AND BECOME VOID AND NULL IMMEDIATELY AND WITHOUT PRIOR NOTIFICATION TO YOU. THIS CONDITIONAL IRREVOCABLE PAYMENT UNDERTAKING IS VALID FOR THIRTY (30) INTERNATIONAL BANKING DAYS SINCE ISSUE DATE AND CAN BE CONFIRMED ONLY ON A BANK TO B ANK BASIS. THIS IS AN OPERATIVE BANK INSTRUMENT AND IS SUBJECT TO THE UNIFORM COMMERCIAL CODE AS IT RELATES TO BANK CREDIT INSTRUMENT. FOR AND BEHALF OF (LENDER/FUNDER’S ’S BANK) BANK OFFICER #1

BANK OFFICER #2

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EXHIBIT C BANK GUARANTEE FORMAT SWIFT MT-760 (FINAL VERBIAGE PER ISSUING BANK-ICC FORMAT) BANK GUARANTEE NO. ISIN CUSIP CURRENCY CODE DATE OF ISSUE DATE OF EXPIRY APPLICANT BENEFICIARY

:

: : : : :

AMOUNT: EURO € 100,000, 000.00 (EURO ONE HUNDRED MILLION ONLY.) WE HEREWITH OPEN OUR BANK GUARANTEE NO.__________ AS FOLLOWS: FOR THE VALUE RECEIVED, WE, THE UNDERSIGNED, SBERBANK OF RUSSIA, HEREBY ISSUE OUR IRREVOCABLE, UNCONDITIONAL, TRANSFERABLE, DIVISIBLE, AND WITHOUT PROTEST OR NOTIFICATION, PROMISE TO PAY AGAINST THIS BANK GUARANTEE TO THE ORDER OF ___________________ THE BEARER OR HOLDER THEREOF, AT MATURITY, THE SUM OF €100,000,000.00 (EURO ONE HUNDRED MILLION) IN THE LAWFUL CURRENCY OF EUROPEAN UNION, UPON PRESENTATION AND SURRENDER OF THIS BANK GUARANTEE AT ANY OF THE COUNTERS OF SBERBANK OF RUSSIA SUCH PAYMENT SHALL BE MADE WITHOUT SET-OFF AND FREE AND CLEAR OF ANY DEDUCTIONS, CHARGES, FEES, OR WITHHOLDING OF ANY NATURE PRESENTLY OR IN THE FUTURE IMPOSED, LEVIED, COLLECTED, WITHHELD OR ASSESSED BY THE GOVERNMENT OF THE RUSSIAN FEDERATION OR ANY POLITICAL SUBDIVISION OR AUTHORITY AND THEREIN AND THEREOF. THIS BANK GUARANTEE IS DIVISIBLE, ASSIGNABLE, TRANSFERABLE AND NEGOTIABLE WITHOUT PRESENTATION OF IT TO US AND WITHOUT THE PAYMENT OF ANY TRANSFER FEE OR CHARGES. THIS BANK GUARANTEE SHALL BE GOVERNED BY AND SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE RUSSIAN FEDERATION. THIS BANK GUARANTEE IS AN OPERATIVE INSTRUMENT.


THIS BANK GUARANTEE IS TRANSFERABLE, ASSIGNABLE AND DIVISIBLE WITHOUT PRESENTATION TO US.

THIS BANK GUARANTEE IS GOVERNED BY THE UNIFORM CUSTOMS AND PRACTICE FOR BANK GUARANTEE AS SET FORTH BY THE INTERNATIONAL CHAMBER OF COMMERCE, UNIFORM RULES FOR DEMAND GUARANTEES, (ICC PUBLICATION NO. URDG758). FOR AND ON BEHALF OF [ISSUING BANK] THIS IS AN OPERATIVE INSTRUMENT AND NO MAIL CONFIRMATION WILL FOLLOW. YOURS FAITHFULLY, (SIGNATURE OF TWO BANK OFFICERS)

___________________________ BANK OFFICER: PRINT NAME/TITLE/PIN

(BANK SEAL)

__________________________ BANK OFFICER: PRINT NAME/TITLE/PIN


INFRAGASCO CAPITAL --------------------------------QUOTE----------------------------------------

1.

Sberbank of Russia

Bank

2. Sberbank Rossii is a shareholder-owned bank with the Russian government in the majority, headquartered in Moscow. As of 2012 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe. Wikipedia

3. Stock price: SBER (MCX) RUB73.80 +2.80 (+3.94%) Aug 27, 6:49 PM GMT+3 - Disclaimer

4. 5. 6. 7. 8. 9.

CEO: German Gref Customer service: +7 495 500-55-50 Founder : Nicholas I of Russia Founded: 1841, Russia Headquarters : MOSCOW, Russia Subsidiaries: Denizbank, Sberbank CIB, Sberbank Srbija

Awards & recognitions

January 2015: Sberbank Slovakia’s term deposits is p laced third in the ranking of the Slovak award “Zlatá minca (Gold Coin)”in the category “best bank products – term deposits”.

September 2014: Sberbank Slovenia is named National champion in The European Business Awards 2014/15category The Employer of The Year.

July 2014: Sberbank is ranked first among banks in Central and Eastern Europe and took 33rd place in the overall standings in the annual ranking of the "Top 1000 banks" in the world, published by The Banker .


April 2014: According to visitors’ votes of the portal posao.ba, Sberbank Bosnia and Herzegovina is the most attractive and desirable employer in the financial sector in Bosnia and Herzegovina.

April 2014: Sberbank Slovakia is ranked fourth in t he category "Mortgage of the year 2014" and third in the category"Refinancing mortgage of the year 2014" by the most influential Slovak business weekly Trend together with Fincentrum.

March 2014: Sberbank Czech Republic ranks first as the best financial institution (“the golden purse”) nominated by the Czech well-known and respected financial server mesec.cz .

February 2014: Sberbank Europe AG receives the Top Company seal from kununu (one of the largest platforms for employer reviews in the German-speaking countries).

January 2014: Sberbank Europe AG receives the Open Company seal from kununu (one of the largest platforms for employer reviews in the German-speaking countries).

December 2013: Sberbank Croatia receives the "Employer Partner" certificate for excellence in human resources management by Selectio.


November 2013: The annual award competition Zlatá minca(The Golden Coin) announces Sberbank S lovakia as Second Most Innovative Bank in Slovakia.

November 2013: Sberbank Czech Republic is named third Most Dynamic Bank 2013 by Fincentrum (one of the largest financial advisory service providers in the Czech Republic).

September 2013: Achieving success in the Best Bank 2013competition, Sberbank Czech Republic is named Most Client-Friendly Bank 2013.

July 2013: Euromoney names Sberbank as Best Bank in Russia and Central and Eastern Europe .

July 2013: According to the ranking of Top 1000 World Banks, in terms of capital and published by The Banker magazine, Sberbank ranks 34th amongst the World’s largest banks.

June 2013: In the SNL Financial ranking of Top 50 European banks, Sberbank manages to be one of t he top climbers, with a gain of 44%, which made it move up a total of nine places.

May 2013: Sberbank gets recognized by HSBC Bank plc, London, for the exceptionally high Straight-Through Processing Rate of its payments denominated in British Pounds (GBP) in 2012.


February 2013: Euromoney magazine recognizes Sberbank's secondary public offering as t he deal of the year for 2012 for Emerging Europe .

February 2013: Sberbank gets rated as Europe’s second most valuable banking brand, following a survey carried out by The Banker . In 2012, its brand value rose to a total of USD 14.2 billion, to occupy 13th rank in the g lobal ratings. Additionally Sberbank was named as "Bank of the Year" by The Banker magazine in 2012.

February 2012: Sberbank places second in a ranking of company stock returns over the past ten years by The Economist .


Sberbank Europe – a strong partner in Central and Eastern Europe, Russia and CIS Sberbank Europe Group (Sberbank Europe AG), headquartered in Vienna, Austria, is a banking group that is 100% owned by Sberbank Russia. Sberbank Europe Group is present in 11 markets in Europe: Austria, Bosnia and Herzegovina (Sarajevo and Banja Luka), Croatia, Czech Republic, Hungary, Slovakia, S lovenia, Serbia, the Ukraine and Germany. In total the bank operates 294 branches and has 5,158 e mployees (as at 31.12.2014).

Sberbank is one of the most profitable financial institut ions in the world and a leading market player in delivering innovative products based on excellence and state-of the-art technology. Combined with the local expertise and customer focus of our employees, Sberbank Europe is building bridges to E astern business and is a unique banking partner in the CEE region. Sberbank was rated as Europe’s second most valuable banking brand, following a survey carried out by The Banker. It was ranked the world’s 13th most valuable banking brand, at USD 14.2 billion, and also remains the most valuable brand in Russia.

Sberbank Russia is Russia’s largest bank and a leading global financial institution. Sberbank holds al most one third of aggregate Russian banking sector assets, it is t he key financial lender to the national economy and the biggest deposit taker in Russia. The Central Bank of the Russian Federation is the founder and principal shareholder of Sberbank owning 50% of the Bank’s author ized capital plus one voting share, with the remaining shares held by domestic and international investors. Sberbank has more than 135 million individual customers and 1 million corporate clients in 22 countries. Sberbank has the largest distribution network in Russia with more than 17,000 branches, and its international operations include UK, US, CIS, Central and Eastern Europe, Turkey and other


countries. The bank holds a general banking license No. 1481 issued by the Bank o f Russia.

Sberbank was awarded “Bank of the Year 2012” by The Banker magazine and “Best Bank in CEE and Russia 2013” by the Euromoney magazine.

Website: www.sberbank.ru

Monetizer Bg- Sberbank

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