Retail Banking Financial Update

1.2% 0.1% Ukraine Azerbaijan 1.7% DIVERSIFIED ECONOMY GROSS DOMESTIC PRODUCT Source: Geostat, Galt & Taggart other 20 12% 15.3% Accom. & food 7.4% 15 6.4% 9% 3.4% 4.4% 4.8% 4.8% 5.0% 10 3.6% 3.0% 2.9% 6% Healthcare 5 3% 4.7% о 0% Education -5 -3% 4.8% -10 -6% Financial & -6.1% -15 -9% insurance 4.9% Nominal GDP, US$ bn ―― Real GDP growth, % COMPARATIVE REAL GDP GROWTH RATES, % (2011-2019 AVERAGE) Source: IMF, Geostat 5.6% 4.7% 4.7% 3.3% 3.6% 3.7% 3.9% 3.9% 4.5% 2.4% 2.5% Russia Czech Rep. Bulgaria Latvia Poland Lithuania Estonia Romania Moldova Georgia Armenia Turkey GDP PER CAPITA DIVERSIFIED NOMINAL GDP STRUCTURE | 9M20 Transport & storage 5.9% Public administration Construction 7.5% 8.1% Agriculture 8.9% Trade 14.0% Real estate 12.0% Manufacturing 10.4% Source: IMF, Geostat, Galt &Taggart 15,634 14,584 11,583 12,100 13,596 12,855 14,615 10,610 9,799 7,541 8,322 3,233 4,023 4,422 4,624 4,739 4,013 4,062 4,359 4,722 4,763 4,252 Nominal GDP per capita, US$ ■GDP per capita, PPP Source: Geostat 45

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