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Investor Presentaiton

September 2021 Comments Despite economic downturn, consumer demand remains firm Over recent years, consumer demand was consistently driven by a number of factors, including steady rise in real wages, improving consumer sentiments (before Q1 2020), growing personal money remittances 30% 20% 10% • Despite the economic crisis caused by Covid-19, real wages growth was mainly resilient and reached 10.2% y-o-y in July 2021, even though the growth pace has slowed due to rising inflation Covid-19 also had a limited impact on the retail trade which grew with double digits: the turnover increased to 13.0% in July 2021, slightly lower than in June 2021 (13.8%) Final private consumption grew by 5.3% and 4.4% y-o-y in Q4 2020 and Q1 2021, respectively, after a 10.0% y-o-y decline in Q2 2020 Private consumption and consumer sentiments evolution 0% (10%) (20%) (30%) (40%) Real wages growth (%) and avg monthly nominal wages (UAH) 16,000 14,345 14,000 12,000 10.2% 10,000 8,000 6,000 4,000 Real wages index - Average monthly nominal wage, UAH 2,000 0 Jan-17 Mar-17 May-17 Jul-17 Sep-17 Nov-17 Jan-18 Mar-18 May-18 Jul-18 Sep-18 Nov-18 Jan-19 Mar-19 May-19 Source State Statistics Service of Ukraine Retail trade growth (y-o-y)1, % 97.5 100 20% 16% 90 12.2% 11.7% 82.4 15% 14% 80 72.9 70 59.4 60.3 62.2 12.9% 65.1 65.9 10% 12% 10.6% 5% 60 50.6 10% 8.8% 6.9% 5.3% 50 5.34.4% 0% 2.7% 8% 40 (1.8%) (5)% 5.5% 6% 30 (10)% 4% 20 (10.0%) (15)% 10 0 2% (20)% 0% Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2 '16'16'16'16'17'17'17'17'18'18'18'18'19'19'19'19'20'20'20'20'21'21 Consumer sentiments index, eop (lhs) Private consumption growth y-o-y, % (rhs) Source GFK, State Statistics Service of Ukraine 10.3% Jan-17 Apr-17 Jul-17 Oct-17 Jan-18 Apr-18 Jul-18 Oct-18 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Jul-19 Sep-19 Nov-19 Jan-20 Mar-20 May-20 Jul-20 Sep-20 Nov-20 Jan-21 Mar-21 May-21 13.5% 3.1% Note 1 To the corresponding period of the previous year on a cumulative basis Source State Statistics Service of Ukraine Apr-20 8.4% 8 BA Jul-21 13.0%
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