Investor Presentaiton

Consolidated Statement of Comprehensive Income In thousand rubles Three-month period ended December 31, Three-month period ended December 31, 2013 % chg. 4Q2014/ 4Q2013 Year ended December 31, Year ended December 31, % chg. 2014 2013 2014/ 2013 2014 Fee and commission income 4 957 156 3 482 080 42% 15 585 951 12 792 116 22% Interest and other finance income¹ 4 842 786 3 018 770 60% Other operating income 23 524 3 553 562% 14 279 409 528 682 11 754 948 21% 58 909 797% Operating Income 9 823 467 6 504 403 51% 30 394 042 24 605 973 24% Administrative and other operating -1 646 475 -1 621 124 2% -4 978 494 -5 029 989 -1% expenses Personnel expenses -1 572 005 -1 291 228 22% -5 394 764 -4 827 004 12% Operating Expense -3 218 480 -2 912 352 11% Operating Profit 6 604 987 3 592 052 84% -10 373 258 20 020 784 -9 856 993 5% 14 748 980 36% Interest expense in respect of written put option over own shares -199 686 Share of profit/(loss) of associates 245 12 258 -98% 7 356 74 605 -90% Profit before Tax 6 605 233 3 604 309 83% 20 028 141 14 623 899 37% Income tax expense -1 319 374 -740 241 78% -4 034 976 -3 042 205 33% 5 285 859 2 864 068 85% 15 993 165 11 581 694 38% Net Profit Earnings per share Basic earnings per share, rubles 1.82 1.29 41% 7.21 5.23 38% Diluted earnings per share, rubles 1.82 1.28 42% 7.18 5.23 37% ☑ MOSCOW EXCHANGE Source: Moscow Exchange, Consolidated Interim Financial Statements 36 1 Interest and other finance income, Interest expense, Net loss on financial assets available-for-sale, Foreign exchange gains less losses

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