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Investor Presentaiton

En+ GROUP FINANCIAL STATEMENTS 17. Loans and borrowings 190 EN+ GROUP IPJSC Notes to the Consolidated Financial Statements for the year ended 31 December 2021 This note provides information about the contractual terms of the Group's loans and borrowings. For more information about the Group's exposure to interest rate and foreign currency risk refer to notes 20(c)(ii) and 20(c)(iii), respectively. Non-current liabilities Secured bank loans Unsecured bank loans Bonds Current liabilities Current portion of secured bank loans Current portion of unsecured bank loans Secured bank loans Unsecured bank loans Accrued interest Bonds 31 December 2021 USD million 2020 USD million 6,291 7,756 567 1,316 22 2,437 8,174 10,215 (a) Loans and borrowings Non-current liabilities Secured bank loans Variable USD 3M Libor + 1.7% USD 3M Libor + 2.1% USD 3M Libor + 3.0% RUB CBR 1.50-2.00% RUB CBR + 3.15% Fixed RUB fixed at 10.00% Unsecured bank loans Variable En+ Group Annual Report 2021 EN+ GROUP IPJSC Notes to the Consolidated Financial Statements for the year ended 31 December 2021 31 December 2021 USD million 2020 USD million 125 718 2,098 1,073 2,097 3,041 4,585 309 6,291 7,756 31 December 2021 2020 USD million USD million 675 5 462 EUR RUB CBR + 1.15-1.8% RUB - other 6M Euribor + 0.67% 534 13 33 9 3 567 22 680 465 Bonds 1,316 2,437 260 8,174 10,215 871 1,387 Current liabilities 68 60 Current portion of secured bank loans 1,118 1 Variable 2,057 1,708 USD 1M Libor + 3.60% 2,737 2,173 USD 3M Libor + 1.7% USD 3M Libor + 2.1% 54 75 268 332 367 RUB CBR + 1.5-2.00% Fixed RUB - fixed at 8.75-11.5% 41 675 462 Current portion of unsecured bank loans Variable EUR 6M Euribor + 0.67% RUB - other 5 1 2 5 3 Secured bank loans Variable USD 3M Libor + 1.35-1.65% 260 260 Unsecured bank loans Variable USD 1M Libor + 2.40% RUB - CBR + 1.0-2.0% 200 481 967 Fixed USD fixed at 2.15-2.97% 375 200 RUB - fixed at 5.75-10.5% 15 20 871 1,387 Accrued interest Bonds 68 60 1,118 1 2,057 1,708 2,737 2,173 STRATEGIC REPORT CORPORATE GOVERNANCE FINANCIAL STATEMENTS Appendices 191
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