Fixed Income Market Presentation

Consolidated Statement of Comprehensive Income In million rubles Three month period ended June 30, 2015 Three month period ended June 30, 2014 % chg. 2Q2015/ 2Q2014 Year ended December 31, Year ended December 31, % chg. 2014/ 2013 2014 2013 Fee and commission income 4 299.1 3 521.9 22% 15 586.0 12 792.1 22% Interest and other finance income¹ 5 854.3 3 219.2 82% 14 279.4 11 754.9 21% Other operating income 23.2 12.1 92% 528.7 58.9 797% Operating Income 10 176.6 6 753.2 51% 30 394.0 24 606.0 24% Administrative and other operating -1 273.7 -1 078.1 18% -4 978.5 -5 030.0 -1% expenses Personnel expenses -1 387.0 -1 286.5 8% -5 394.8 -4 827.0 12% Operating Expense -2 660.7 -2 364.6 13% -10 373.3 -9 857.0 5% Operating Profit Interest expense in respect of written put option over own shares 7 515.9 4 388.6 71% 20 020.8 14 749.0 36% -199.7 Share of profit/(loss) of associates -1.3 -1.8 -28% 7.4 74.6 -90% Profit before Tax 7 514.6 4 386.8 71% 20 028.1 14 623.9 37% Income tax expense -1 511.0 -913.2 65% -4 035.0 -3 042.2 33% 6 003.6 3 473.6 73% 15 993.2 11 581.7 38% Net Profit Earnings per share Basic earnings per share, rubles Diluted earnings per share, rubles 2.70 1.58 71% 7.21 5.23 38% 2.68 1.58 70% 7.18 5.23 37% ☑ MOSCOW EXCHANGE Source: Moscow Exchange, Consolidated Interim Financial Statements 39 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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