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Investor Presentaiton

Comments Increasing consumer demand remains the main driver of Ukraine's real GDP growth Final private consumption grew by 8.9% (y-o-y) in 2018 and further accelerated to 10.7% in Q1 2019, whereas retail trade turnover increased by 10.1% in July 2019 Consumer demand is driven by a number of factors, including among others improving consumer sentiments, rise in real wages, consumer lending and personal money remittances Real wages went up by 9.5% in July 2019 with growth being supported by the economic expansion, 12.1% increase in minimum wage in 2019 and increased competition for the labor force Private consumption and consumer sentiments evolution September 2019 Consumer sentiments index (eop) Private consumption growth, % (y-o-y) Source GFK, Info Sapiens, State Statistics Service of Ukraine Jan-15 Solid economic recovery track (2/3) Real wages growth and average monthly nominal wages 30% 20% 10% 0% (10)% (20)% (30)% (40)% 10 971 12,000 10,000 9.5% 8,000 6,000 4,000 Real wages growth (y-o-y), % 2,000 Average monthly nominal wage, UAH ,0 90 82.4 14% 12.0% 12.2% 15% 80 65.6 11.7% 10.7% 65.3 8.8% 12% 10% 4.0% 70 57.1 55.5 59.4 59 60 50.1 60.3 57.7 8.2% 62.6 62.2 5% 2.4% 10% 8.5% 0% 50 6.2% 7.5% 8% 5.3% 6.9% (5%) 40 6% 30 (10%) 2.7% 4% 20 (15%) 2% 10 (20%) 0 0% (25%) (20.7%) Q3 Q4 Q1 '16 '16 '17 Q2 Q3 Q4 Q1 Q2 Q3 '17 '17 '17 '18 '18 '18 '18 Q4 Q1 '19 GR Q2 '19 (30%) (25.3%) Jan-15 Apr-15 Jul-15 Oct-15 Jan-16 Apr-16 Jul-16 Oct-16 Apr-15 Jul-15 Oct-15 Jan-16 Apr-16 Jul-16 Oct-16 Jan-17 Source State Statistics Service of Ukraine Retail trade growth (y-o-y)1, % Note 1 To the corresponding period of the previous year on a cumulative basis Source State Statistics Service of Ukraine Jan-17 Apr-17 Jul-17 Oct-17 Jan-18 Apr-18 Jul-18 Oct-18 Jan-19 Apr-19 6 CO Jul-19 BA Apr-17 Jul-17 Oct-17 Jan-18 Apr-18 5.1% 6.8% Jul-18 Oct-18 Jan-19 10.1% Apr-19 Jul-19
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