3Q 2021 Financial Overview

3Q 2021 summary of financials Operating income¹ RUB bln Fee and commission income Interest and finance income Operating expenses (excl. other operating expenses) RUB bln Remaining administrative expenses² Personnel expenses D&A and IT maintenance Cost-to-income ratio 37.3% 37.5% 37.1% 35.5% 35.2% +18.2% +1.3% +17.3% +0.2% 13.3 12.9 13.2 13.4 11.3 24% 28% 24% 22% 4.7 4.9 5.0 26% 4.2 4.5 1.0 0.8 0.8 1.1 1.2 76% 74% 72% 76% 78% 2.2 2.4 2.4 2.4 2.4 1.2 1.3 1.3 1.4 1.4 Adjustments³ 3Q 2020 4Q 2020 1Q 2021 EBITDA and EBITDA margin RUB bln Adjusted EBITDA margin Reported EBITDA = PBT + D&A 2Q 2021 3Q 2021 3Q 2020 4Q 2020 1Q 2021 2Q 2021 3Q 2021 Net income RUB bln Adjusted ROE Adjustments³ Reported net income 19.4% 20.5% 19.0% 19.0% 17.4% 70.2% 71.1% 71.7% 68.2% 69.8% +19.4% +17.5% +3.6% +4.7% 6.6 6.7 6.4 7.9 0.1 9.4 9.2 9.0 6.7 9.3 5.6 0.0 3Q 2020 -0.3 4Q 2020 -0.2 1Q 2021 -0.7 2Q 2021 0.0 3Q 2021 -0.3 -0.1 -0.5 0.0 3Q 2020 4Q 2020 1Q 2021 2Q 2021 3Q 2021 Source: Moscow Exchange ☑ MOSCOW 1 EXCHANGE 2 3 Includes Other operating income, Interest and other finance income, Interest expense, Net gain on financial assets at FVTOCI and Foreign exchange gains less losses Includes Remaining administrative expenses are calculated as General and administrative expenses less D&A and Equipment and intangible assets maintenance 45 Adjustments are related to 1) IFRS 9 movement in allowance for ECLs and 2) one-off provisions' accrual/release

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