Investor Presentaiton

31 Mar 2022 31 Mar 2021 X5Group X5 debt structure Debt profile RUB mln Total debt Short-term debt % of total debt Long-term debt % of total debt Net debt (pre-IFRS 16) Adj. net debt¹ (pre-IFRS 16) Covenants & liquidity update 333,408 248,009 Debt portfolio maturity 100% 29% 115,489 78,081 35% 34.6% 31.5% 217,919 169,928 33% 65.4% 68.5% 280,196 235,796 3% 229,063 235,796 31 Mar 2022 2022 2023 2024 2025 Covenant metrics & liquidity sources 31 Mar 2022 31 Mar 2021 Net debt/EBITDA (pre-IFRS 16) 1.67x 1.60x Adj. net debt / EBITDA (pre-IFRS 16)1 1.36x 1.60x Cash & cash equiv., RUB mln 53,212 12,213 Short-term financial investments, RUB mln 51,133 Available credit limits, RUB mln 435,060 483,218 1. Adjusted for short-term financial investment Highlights • X5's debt portfolio is 100% RUB-denominated • 81% of X5's borrowings have fixed interest rates • X5's available credit limits amounted to RUB 435 bln 25

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