3Q 2021 Financial Overview

Fee & commission income: strong and sustainable growth Fee and commission income (F&C) RUB bln F&C income for 2020 increased 30.9% YoY CAGR '15-20 X% Cost (excl. D&A & provisions) to F&C ratio F&C growth was delivered in a cost efficient way 53.3% 49.4% 50.3% 47.0% 45.4% 34.3 +30.9% +14.0% 26.2 23.6 21.2 19.8 17.8 39.1% 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 ☑ MOSCOW EXCHANGE 41

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