Closed Joint Stock Company (CJSC) “Trans-Dniester Savings Bank” (“Sberbank”) was established January 21, 1993 upon issuance, and on the basis, of the Trans-Dniester Republican Bank’ General-Purpose Comprehensive Banking-Operations License, Series АЮ, N06914.

The Bank’s Registered Corporate Address is

100 “25 Oktyabria” Street,
Tiraspol,
Trans-Dniester Moldavian Republic,
MD-3300

CJSC “Trans-Dniester Savings Bank’s” Infrastructure represents over 50% of the overall Trans-Dniester Banking Infrastructure. The Bank consists of the Head Office, 6 Regional Offices, 129 Auxiliary Offices, and 72 Currency Exchange Outlets.

As of the beginning of year 2007, Sberbank had a total of 620 employees.

Sberbank holdings account for approximately 15% of the Total Funds of the Republic’s Banking System, with the Bank’s Charter Capital being USD 8.5 million.

Sberbank Foreign Currency balance grew more than 3 times over the past 5 years, amounting to slightly less than USD 41 million (2006, year-end statistics). The Bank’s Credit Portfolio showed a more than an 8-fold increase, amounting to approximately USD 13 million (January 1, 2007 data). That figure takes into account Corporate Credits, which grew 8-fold, amounting to about USD 6 million, as well as Consumer Loans, which increased 10-fold, amounting to over USD 5 million. Sberbank Deposit holdings have also shown a 6-fold increase, amounting to over USD 13 million. That figure accounts for Legal Entities’ Term Deposits, which grew 12-fold, roughly amounting to USD 1 million (2007, year-beginning statistics), as well as Consumer Deposits, which grew 5.5 times, amounting to slightly less than USD 10 million.

When speaking of Total Assets’ Structural Break-Down, it needs to be pointed out that the Bank’s Funds Placement Instrument of choice is its Credit Operations, which constitute over 33% (USD 13.4 million); Cash and Correspondent Accounts Balances account for about 31% (USD 12.2 million), while Securities and Other Assets are over 17% (USD 6.9 million) and slightly less than 19% (USD 7.5 million) respectively.

Corporate Credits account for 51%, the lion share, of Aggregate Credit Portfolio; Consumer Credits—for 38% of it, while Credits to Banks and Other Credits—for 7% and 4% respectively.

As for Total Liabilities, over 75% of Total Liabilities are Funds Borrowed, with Funds Borrowed Balance slightly less than USD 24 million (2007, year-beginning statistics).

Since Consumer Deposits are the Bank’s usual Resource-Building Instrument of choice, they account for over 50% of Funds Borrowed. At the beginning of year 2007 Consumer Savings reached the figure of over USD 12 million. Funds borrowed from Legal Entities accounted for slightly less than 27% (USD 6.4 million), while Funds borrowed from banks amounted to over 20% (USD 4.9 million) of Total Funds Borrowed.

The Bank-adopted Middle-Term Development Strategy places the highest priority on the Bank’s involvement in the Republic’s Consumer Market. By 2006 year-end, the Bank had a Trans-Dniester Consumer Deposits and Credits Market footprint of approximately 25%.

To date, CJSC “Trans-Dniester Sberbank” is the only Bank in the Republic holding a Federal “Consumer Deposits Safe-Keeping and In-Full Reimbursement Guarantee.”

The Bank’s Correspondent Accounts Network never ceases to evolve. As is evidenced by the significant 2006 increase in Limits opened by foreign banks to the Sberbank name—so as to be able to transact with it on the “no-pledge” basis—Trans-Dniester Sberbank is now further solidifying its International Markets presence.

“Trans-Dniester Savings Bank” is a member of Association of Russian Banks.