3Q 2021 Financial Overview

Individual Investment Accounts (IIA) in detail Individual Investment Accounts (IIA) Cumulative, accounts IIA owners by age +32.4% +110% 4.6 mln 32% 26% 23% 18% 25-35 35-45 >45 years 18-25 years years years 3.5 mln +175% +98% 1.6 mln +238% 0.6 mln 0.3 mln 0.1 mln 2015 2017 2018 2019 2020 Oct 2021 ☐ Assets held on IIA More than half of IIAS is opened by people aged 25-45 Top regions by the number of IIA are Moscow (11%), Moscow region (6%) and St. Petersburg (5%) More than 75% of IIA are opened in other regions of Russia RUB bln IIA managed accounts IIA - brokerage accounts 376 28% 197 33% 98 72% 51 34% 67% 73% -27% 66% 4Q2017 4Q2018 4Q2019 | 4Q2020 ☑ MOSCOW EXCHANGE Source: Moscow Exchange, Bank of Russia 4Q2020 data Structure of assets on IIA 26% 27% 27% 20% Government bonds, cash & deposits Mutual funds & other Equities Corporate bonds 29

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