3Q 2021 Financial Overview

☑ Retail money: aiming to grow the culture of investing 16% 22% 26% Unique retail clients as % of population² Russians hold majority of savings in banks and cash¹ 13% 11% 8% 12.2% 47% 28% 10.5% 60% 21% 53% 37% 56% 41% 51% 6% Russians hold RUB 33 trn with banks3 RUB 12 trn in cash ...vs RUB 66 trn of the Russian equity market's market cap 32% 21% 59% 60% 25% 47% 41% 33% 1.7% 25% 1.6% 1.4% 19% 14% 15% 0.4% USA UK Germany Italy Brazil Mexico Others Securities Insurance and pensions Cash China India Russia Bank deposits China Russia India Brazil Turkey Indonesia Number of unique retail clients mln New retail clients (net) thousand +74% +128% +10% +97% 15.3 +7% +49% 8.8 +7% +19% 3.9 0.9 0.9 1.0 1.1 1.3 2.0 +159% 6 471 +195% +55% 4 927 -1% +211% -18% +115% 1 905 645 2013 2014 2015 2016 2017 2018 2019 2020 10M 2013 76 63 62 96 207 2014 2015 2016 2017 2018 2019 2020 10M MOSCOW EXCHANGE 2021 2021 Sources: World Bank, Allianz, CBR, Moscow Exchange 26 1 As of the end of 2018, Russia - 2020 2 3 Russia - 2021, Turkey - 2018, Indonesia, Brazil - 2021, China - as of 2019 beginning Excluding real estate escrow accounts

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