This is the Bank for those people, who want to get more

1. This is the Bank for those people, who wantto get more

2. “Alfa-Group” Consortium

3. FINANCIAL SERVICES INVESTMENTS RETAIL TRADE WATER SUPPLY The biggest food retail company in Russia “Alfa-Bank” Bank Group Regional leader in the area of water supply and water disposal in Russia and Ukraine Investment company “Alfa-Capital” Management Company Alfa Capital Partners “Alfa-Insurance” Group Assets of AlfaGroupamount to $ 64.753 billion, capital amounts to $ 17.968 billion* *Source: Audited statements of Alfa Group for 2011

4. FINANCIAL PERFORMANCES, $million INVESTMENTS AND PROFIT, $million Assets Own funds of shareholders Investments Profit *Source: Audited statements of Alfa Group for 2011

5. “Alfa-Bank”Bank Group

6. “Alfa-Bank” Bank Group FINANCIAL PERFORMANCES OF THE GROUP ABH Holdings S.A. NUMBER OF GROUP CUSTOMERS Russia Ukraine Netherlands Kazakhstan Belarus Source: consolidated audited statements (IFRS) as at01.01.13 • The Bank Group is present in eight countries: Russia, Kazakhstan, Ukraine, Byelorussia, Netherlands, Cyprus, USA, and Great Britain • More than511offices • More than23 000 employees • More than82 000 corporate customers • More than8.9millionprivate customers • Ratings of “Alfa-Bank” OJSC (Russia) • Standard & Poor’s • Long-termrating “BВ+”, • Forecast “stable” • Fitch • Long-termrating “BВВ-”, • Forecast “stable” • Moody’s Investors Service • Long-termrating“Ba1”, • Forecast “stable” • From January 2013 express payments are made at fixed rate – USD 30, EUR 23, RUR 500 (depending on transfer currency) for legal entities within the framework of the Bank Group (Russia, Ukraine, Belarus, Kazakhstan).

7. “Alfa-Bank” Bank Group ACHIEVEMENTS OF “ALFA-BANK” OJSC FINANCIAL PERFORMANCES, $million Awarded by SenteoGmbHand PriceWaterHouseCoopers as “The Best Bank according to customer impression index”(2012) Awarded by Runet as “The Best Internet Bank”in nomination “Economy, business and investments 2012”(2012) Awarded by JPMorganChaseBank EliteQualityRecognitionAward “For high quality of international settlements based on results of operations over the period from 2006 until2011”. (2012) Assets Capital CREDIT/DEPOSIT PORTFOLIO, $million Awarded by Visa “The highest international level of debit card issuer approvals”(2012) Awarded by SPEAR’SRussiaWealthManagement “The best private bank in Russia in the area of asset management”(2012) Awarded by “Itogi” magazine “Commercial bank of the year”(2011); “Year achievement”(2012) Credit portfolio Deposit portfolio

8. Regional network of Alfa-Bank in Russia Abakan Almetyevsk Angarsk Arkhangelsk Astrakhan Balashikha Barnaul Belgorod Biysk Buzuluk Vladivostok Vladimir Volgograd Volgodonsk Volzhski Vologda Voronezh Glazov Dzerzhinsk Ekaterinburg Zheleznogorsk Zelenograd Ivanovo Izhevsk Ioshkar Ola Irkutsk Kazan Kaliningrad Kaluga Kamensk-Uralski Kemerovo Komsomolsk-on-Amur Korolev Krasnogorsk Krasnodar Krasnoyarsk Kurgan Kursk Lipetsk Magnitogorsk Megion Miass Moscow Murmansk Mytishchi NaberezhnyeChelny Nakhodka Nizhnevartovsk Nizhni Novgorod NizhniTagil Novokuznetsk Novorossisk Novosibirsk Novotroitsk NovyUrengoy Odintsovo Omsk Orenburg Orsk Penza Pervouralsk Perm Podolsk Raduzhnyi Rostov-on-Don Ryazan Samara Saint Petersburg Saratov Severodvinsk SosnovyBor Sochi Stavropol Sterlitamak Surgut Syktyvkar Tambov Tolyatti Tomsk Tuapse Tula Tyumen Ulyanovsk UsolyeSibirskoe Ufa Khabarovsk Khimki Cheboksary Chelyabinsk Engels Yuzhno-Sakhalinsk Yurga Yakutsk Yaroslavl

9. “Alfa-Bank” SB JSC(Kazakhstan)

10. “Alfa-Bank” SB JSC “Alfa-Bank” SB JSC (Kazakhstan) was established on 9 December 1994 and is a reliable and dynamically developing bank of Kazakhstan. Alfa-Bank is a universal financial instituteguaranteeing quality and timely servicing of major companies, small and medium business entities and natural persons. Mission Reliable bankproviding high-quality financial solutions within short time and at reasonable price. Vision Universal bankrendering high-quality services to customers in the Republic of Kazakhstan with an opportunity to provide financial solutions from banks of the Group. Strategic goal Growth with substantial advance in growth rates of banking sector of Kazakhstan.

11. Management Board of “Alfa-Bank” SB JSC Danila Smirnov Chairman of the Management Board Before coming to the bank mister Smirnov worked at “Alfa-Bank” Russia as the Head of the Internal Audit Department and the Deputy Chief Financial Officer. He has more than 20-year experience of work in banking area in total. Mikhail Troitskiy Vice-Chairman of the Management Board Mister Troitskiy worked at “Alfa-Bank” in different positions for more than 14 years and he is responsible for business development in Kazakhstan Denis Ryltsev Financial Director Mister Ryltsev is working at the bank since 1997, he has a wide experience of work in the area of asset management and financial analysis. AlinaAnikina Operational Director Mistress Anikina worked at “Alfa-Bank” Russia since 2004 in the area of audit, she also has experience of work in oil-and-gas sector in Russia. Dina Chektybayeva Managing Director Mistress Chektybayeva worked for more than 20 years in big companies of financial and oil-and-gas sectors.

12. Financial performances of “Alfa-Bank” SB JSC FINANCIAL PERFORMANCES, $million “ALFA-BANK” SB JSC • Position of Alfa-Bank among banks of Kazakhstan*: • 17placeas for amount of assets • 16place as for amount of credit portfolio • 11place as for net profit Assets Capital CREDIT/DEPOSIT PORTFOLIO, $million Ratings of “Alfa-Bank” SB JSC (Kazakhstan) • Standard & Poor’s • Long-term rating“B+”, forecast “stable” • Short-term rating “B” • National rating “kzBBB” • Fitch • Long-term rating “B+”,forecast “stable” • Short-term rating “B” • National rating “BBB (kaz)” Credit portfolio Deposit portfolio * Source: data from FSCof the NB RK as at 01.01.2013

13. For investors Source: data from FSCof the NB RK as at 01.01.2013

14. Products and services of“Alfa-Bank” SB JSC

15. Banking services Corporate business Small, Medium and Mass businss Retail business • Retail credits • Consumer credits • Credit cards • Debit cards • Account service • Deposits • Safe deposit boxes • “Alfa-Click” Internet Bank • “Alfa-Mobile” Mobile banking • “Alfa-Check” SMS notification • Lending • Deposit programs • Cash settlement services • Debit cards for business • Salary projects • Internet Bank Client • Trade finance • Guarantees and letters of credit • Factoring • Leasing • Overdraft • Advantages • Apolitical, independent Russian private bank • Provision of individual financial solutions for specific needs of customers • Decision-making mobility and efficiency • Solid resource base of the Bank group • Opportunity to use new banking technologies and successful experience of “Alfa-Bank” Bank group.

16. Alfa-Factoring • ALFA-FACTORING • The product is meant for the companiescarrying out their business in the area of supply of products and service rendering under contracts with deferred payment option. • Financing amount : up to  $10 million • Amount of financing : up to 90% of contract value • Financing period: up to 120 days SUPPLIER PURCHASER Alfa-Bank • ADVANTAGES: • Unsecured financing • Increase in financing as far as sales volume increases • Opportunity to enlarge client base at the expense of provision of delay in payment for purchasers • Opportunity to supply products in greater volume • Faster period to make decision and financing • Cash-flowplanning (lack of outstanding cash deficiency) • Permanent work of the bank with debtors related with timely payment for obtained consignment of goods/services

17. Alfa-Leasing Financing scheme: Financing scheme: • ALFA-LEASING • Alfa-Leasing program is universal: no connection to a certain type of equipment or industry, financing is provided to any economy sector • Long-term lease of property subject to further right of redemption • Financing amount: from  15 milliontenge • Financing period: 36-60 months • Advance payment: from20% 6. Transfer of title to leasing object 5. Leasing payments Alfa-Bank LESSEE 2. Advance payment 1. Financial leasing agreement 1. Purchase and sale agreement 3. Payment for leasing object 4. Supply of leasing object • ADVANTAGES: • Saving current assets • Collateral is not required • Project logistics is provided for by Alfa-Bank • Receipt of additional economic effect at the expense of reduction of tax burden – fee on leasing is attributed to deductions • Subsidizing of fee rate is possible under program “Business Road Map – 2020” SUPPLIER

18. Consumer lending Due to consumer credits of Alfa-Bank the clients have an opportunity to purchase subject to advantageous conditions new technique, furniture, quality clothes and many other things… Presence regions: Our partners: more than 130 trade companies • Astana • Almaty • Aktau • Aktobe • Atyrau • Karaganda • Kokshetau • Kostanai • Pavlodar • Petropavlovsk • Semei • Uralsk • Ust-Kamenogorsk • Shymkent • Zyryanovsk • Ridder • Shemonaikha Time for making decision on credit: 20 minutes. CREDIT PROGRAMS • “Payment by instalments”Initial contribution: 0%; • Overpayment : 0 tenge • “Standard” • Initial contribution: 0%-99%; • Overpayment: 2%-3% a month • “7-7-7” product • Initial contribution: 7%; • Overpayment: 1% a month

19. Debit cards for private clients Alfa-Bank has a wide ATM network in Kazakhstan at the expense of combination of network with other banks-partners: Halyk Bank of Kazakhstan, ATF Bank, Bank CenterCredit, Eurasian Bank, Kaspi Bank, Kazkommertsbank, Nurbank, Bank RBK, Temirbank, and VTB Bank. VisaClassicUnembossed—an instant issue cardcombining safety of VisaElectronand some advantages of more universal VisaClassic. VISAElectronfrom Alfa-Bank is your 24-hour electronic purse. VISAPlatinum — this debit card is an evidence of high status of a clientappreciating comfort and prestige. VISAClassic — a universal debit cardappropriate for any types of purchases and cash withdrawal. VISAGoldguarantees a holder high prestige, comfort and quality of services at the expense of strict standard of service rendering for holders of “gold” cards all over the world. VISABusiness — is an opportunity for a company to simplify accounting of travelling and representation expenses of employees. An insurance certificate of financial risks “Protected Alfa card” developed together with ”Chartis Kazakhstan Insurance Company” JSC is additionally attached to each card. In2012 own processing center was opened.

20. Remote servicing of private clients “Alfa-Click” Internet bank “Alfa-Click” Internet bank allows accepting payments in favor of service providers, paying for mobile communication, utility services, television and hosting services, transferring money between its accounts, in favor of other clients of Alfa-Bank, replenishing and partially withdrawing cash from deposit “Alfa-Progress”, converting foreign currencies: USD, EUR andRUB, as well as renewing services of “Alfa-Mobile” mobile bank. “Alfa-Mobile” mobile bank Up-to-date application for mobile communication means, due to which it is possible to promptly pay for mobile communication, to check balance of funds on one’s accounts, to replenish one’s debit card and to be in touch with dynamics of foreign exchange rates. • “Alfa-Check” SMS notification • It offers an opportunity to get mini-statement to a mobile phone in a form of an electronic notice (SMS). • Having connected to “Alfa-Check” you may obtain information about : • made transaction • payment limit (balance of funds) наon a card • expiration of a debit card.

21. Branch network of “Alfa-Bank SB JSC • BRANCH NETWORK • Almaty (Head office) • Branches: • Aktau • Atyrau • Astana • “Essil” office • Karaganda • Pavlodar • Ust-Kamenogorsk • Representative Offices: • Petropavlovsk • Uralsk • Presence regions: • Aktobe • Kokshetau • Kostanai • Semei • Shymkent • By2015: • 14 branches • 15 offices

22. Call Center: 8-8000-8000-75 (free) Tel.: +7 (727)244-75-75 Fax: +7 (727) 292-08-21 infokz@alfabank.kz www.alfabank.kz