3Q 2021 Financial Overview

1 General and administrative expenses Operating expenses in 3Q'21 (excl. provisions) Operating expenses RUB mln Major expense items RUB mln Change 3Q 2020 3Q 2021 Personnel expenses YOY Personnel expenses 2174.1 2358.6 8.5% +17.3% +0.2% 4,944 4,951 4,711 4,524 4,223 D&A and IT maintenance Remaining administrative expenses¹, incl.: 1238.0 1383.2 11.7% 810.5 1209.5 49.2% 49% 51% 52% 47% Professional services 93.1 260.1 179.4% 49% Information services 80.4 172.0 113.9% 51% 51% 53% 49% 48% Total OPEX 4222.6 4951.3 17.3% Cost Income Ratio 37.3% 37.1% 3Q 2020 4Q 2020 1Q 2021 2Q 2021 3Q 2021 -0.2 p.p. Headcount, number of employees EOP +8.7% +4.9% 2,146 1,975 1,980 1,993 2,045 Comments OPEX for 3Q'21 added 17.3% YoY, driven mainly by administrative expenses. Non-organic contribution from Inguru was 4.0 p.p. Total contribution from Marketplace (incl. Inguru) was 7.0 p.p. Personnel expenses growth of 8.5% YoY decomposes into: [1] 7.1 p.p. headcount growth, [2] 1.4 p.p. other factors. ~74% of professional services growth are linked to Marketplace project (incl. Inguru) and the remaining ~26% is attributed to core business. D&A and IT maintenance added 11.7% YoY on the back of the 20.4% growth in IT maintenance. ■ Updated FY21 OPEX guidance of 18.0-21.0% decomposes into: 6 p.p. YoY business as usual 7-8 p.p. YoY a family of development projects 2-3 p.p. YoY Marketplace marketing option 3-4 p.p. YoY Non-organic (Inguru + NTPro) factors 3Q 2020 4Q 2020 1Q 2021 2Q 2021 3Q 2021 ☑ MOSCOW EXCHANGE 3Q'21 CAPEX RUB 1.08 bln, new FY21 range: RUB 3.0-3.7 bln Remaining administrative expenses are calculated as General and administrative expenses less Depreciation of property and equipment, Amortisation of intangible assets, Equipment and intangible assets maintenance 56

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