Financial Results slide image

Financial Results

Etalon Group is well positioned to continue creating shareholder value in a more complicated macro environment Current land bank is sufficient for Etalon Group's construction programme, no need to acquire land plots in the medium term More diversified product offering based on a higher number of projects and a growing share on lucrative MMA market Growing contribution from the Company's sales network in Russia's resource-rich regions The strongest balance sheet in the industry Low level of FX-denominated debt fully hedged by FX-denominated deposits Currently no debt borrowed outside of Russia Etalon Group maintains its B+ credit rating from Standard & Poor's despite Russia's sovereign credit rating downgrade in 2014 Reasonable price growth during preceding 3 years, no signs of a bubble Land bank (unsold NSA) bop, ths sqm Number of projects in construction programme, eop 2008 2014 1,280 3,442 8 15 Share of Moscow Metropolitan Area in total contract sales, % 23% Share of regional sales, % 21.0% 34.4% (1) Total net debt (net cash), mln RUB 4,358 636 - % FX denominated debt 88.5% 8% - % of debt borrowed outside of Russia 46.4% - Net debt / EBITDA 1.37x 0.06x Credit rating (Standard & Poor's) B B+ Residential real estate price CAGR (previous 3 years), %: - St. Petersburg market(2) 41% 6% - Moscow market (3) 34% 7% Inventory of completed and available for sale apartments eop, ths sqm 25 220 Comprehensive inventory of completed apartments in diverse locations is attractive to clients during macroeconomic instability. It also enables the Company generate revenue without incurring additional costs Moderate share of mortgage sales, well below that of other public peers Share of mortgage sales Transparent public company with long and successful track record of cooperation with capital markets Qualitative criteria Sources: Land bank valuation report by JLL as of 31.12.2013 and 31.12.2014, management accounts, IPO Prospectus, IFRS financial statements for 12M 2008 and 12M 2014 (1) for FY 2014 Etalon Group Operating Results Financial Results Landbank Valuation 8% 3 years of public debt history Partnership with Baring Vostok Capital Partners 22% (1) Public listing on LSE Transparent corporate governance Dividend policy 9 years of public debt history (2) calculation based on EMLS index (secondary market) as of December for preceding 3 years (3) calculation based on IRN housing price index as of December for preceding 3 years 2015 Deliveries Appendix 36
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