Investor Presentaiton

CURRENT STATE AND EXPECTATIONS Changes in the Business Environment YOY change in the business environment in 2019 (based on 2/2 scale) SMALL AND MEDIUM enterprises reported MODERATE IMPROVEMENT. SMEs engaged in IMPORT complain, while SMEs engaged in EXPORT report slight improvement. 0.08 0.13 Significant improvement Moderate improvement Not changed Moderate impairment -0.66 -0.61 Significant impairment Micro Small Medium Total SMEs 12 Source: 2019 SME research, Ameria CJSC

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