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Investor Presentaiton

☑ NCC capital target set at RUB 51 bln for 2015 Approach to setting target capital CBR regulation of capital adequacy ratio Risk weighted assets (RWA) less provisions ■ Market risk (according to 387-P) Operational risk NCC capital (eop) RUB bln 13,2 2012 CCP Stress-tests ■ Market risk Core Tier 1 ratio (N1) >10% ■ Credit risk ■ CCP risk 51,0 41,4 38,9 28,8 Capital should be sufficient to (i) cover potential losses under a stress scenario and (ii) keep business operational Key factors that impacted the target capital: Rapid growth of market participants balances in 2014, particularly FX denominated Ruble devaluation Expected abolishment of temporarily requirements for RWA in FX set by the CBR under 211-T regulation Key factors to watch: Changes in client balances ✓ Interest rates in the US and EU MOEX and CBR collaboration on regulation developments on NCC as a Central counterparty (CCP) ✓ 2013 2014 Current Target 2015 MOSCOW EXCHANGE 31
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