SWIFT Business Forum 2013 in Moscow SWIFT in Russia Matthieu de Heering- Матвей Геринг Head of Russia, CIS and Mongolia, SWIFT Moscow, 10 April 2013

The number of Russian SWIFT users has more than doubled since 1995

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0

100

200

300

400

500

600

1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Three to Fourfold Sent and Received FIN Traffic growth since 2003

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0

10

20

30

40

50

60

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012Traffic Sent (Millions) Traffic Received (Millions)

Linear (Traffic Sent (Millions)) Linear (Traffic Received (Millions))

2012 vs. 2003: Threefold to Fourfold

growth

USA

Russia

Kazakhstan

Germany

Belarus United Kingdom

1. Domestic 111 Kmsgs (+32%)

2. USA 13 Kmsgs (+5.5%) 15 Kmsgs (+4.6%)

3. Germany 11 Kmsgs (+17.3%) 11 Kmsgs (+10.6%)

FIN Payment represents 84% of flows in Russia 63% of payments traffic sent from Russia is domestic, which is by far the main route, followed by US and Germany

Traffic figures: 2012 full year Growth figures: 2012 vs 2011

Total SWIFT All Markets

FIN - Average Daily number of messages Q1 2013 (in million)

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16

17

18

19

20

21

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

2011 Actuals 2012 Actuals 2013 Actuals Best month ever

+10.7%

Russia All Markets

FIN - Average Daily number of messages Q1 2013 (in thousands)

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80

130

180

230

280

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

2011 Actuals 2012 Actuals 2013 Actuals

Current Rank: 17

+63%

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0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

RUB

CNY

ZAR

Comparing the evolution of cross-border Rouble payments’ market share vs. Yuan and Rand

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Currency activity share evolution in payments value from Jan-11 to Dec-12 . Other BRIC+ currencies have an activity share of 0%

RUB share: +138,2% In 24 months

RUB share: +105,8% In 24 months

Currency activity share evolution in international payments value from Jan-11 to Dec-12 . Other BRIC+ currencies have an activity share of 0%

Share among cross-border payments based on value

Share among cross-border and domestic payments based on value

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Amount sent of payments, evolution from Jan-11 to Dec-12 Amount received of payments, evolution from Jan-11 to Dec-12

14,1% Jan-11

36,6% Jan-11

38,3% Dec-12

5,8% Jan-11

80,1% Jan-11

73,1% Dec-12

6,6% Dec-12

20,3% Dec-12

Share of the main sending countries Share of the main receiving countries

Main sending and receiving countries of Rouble-denominated cross-border payments

Number of countries and financial institutions sending or receiving Rouble-denominated payments

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+17% In 24 months

+21,4% In 24 months

Number of countries Number of financial institutions

Year on Year quarterly growth rates

“Rouble Tracker” – example of correlation GDP and SWIFT Payments show a similar trend

* Source: SWIFT, IMF

11

6.4

8.2 8.5

5.2

-7.8

4.3 4.3 3.7

-10%

-5%

0%

5%

10%

15%

20%

-10

-8

-6

-4

-2

0

2

4

6

8

10

2005 2006 2007 2008 2009 2010 2011 2012

Russian GDP growth (IMF) SWIFT commercial payments growth

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First Russian corporate goes live with ISO20022 XML payments

Presentation title – dd month yyyy – Confidentiality: xxx 14

Thank you