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Investor Presentaiton

February 2022 Despite economic downturn, consumer demand remains firm Comments Real wages growth (%) and avg monthly nominal wages (UAH) Over recent years, consumer demand was consistently driven by a number of factors, including steady rise in real wages, improving consumer sentiments (before Q1 2020), growing personal money remittances 20% 20,000 17,453 18,000 15% 11.9% 16,000 Real wages growth was mainly resilient reflecting post- pandemic recovery and reached 11.9% y-o-y in December 2021, even though the growth pace has slowed (e.g. 19.7% in April 2021) due to rising inflation Strong real and nominal wages growth had a positive impact on the retail trade as well: the turnover increased by 10.7% in 2021 Final private consumption grew by 9.0% and 17.4% y-o-y in Q3 2021 and Q2 2021, respectively, following a 10.0% y-o- y decline in Q2 2020 Private consumption and consumer sentiments evolution Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Source State Statistics Service of Ukraine Retail trade growth (y-o-y)¹, % 10% 5% 0% (5%) (10%) 14,000 12,000 10,000 Real wages index Average monthly nominal wage, UAH 8,000 6,000 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 100 97.5 17.4% 20% 82.4 16% 12.2% 11.7% 12.9% 80 14% 59.4 60.3 62.2 65.1 65.9 69.1 10% 12% 10.6% 60 50.6 9.0% 6.9% 5.3% 2.7% 5.3% 4.4% 10% 8.8% 0% 40 8% (1.8%) (10)% 6% 20 (10.0%) 4% 0 (20)% 2% Q1'16 Q2'16 Q3'16 Q4'16 Q1'17 Q2'17 Q3'17 Q4'17 Q1'18 Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 0% 5.5% 10.3% 13.5% B.1% 8.4% Consumer sentiments index, eop (lhs) Private consumption growth y-o-y, % (rhs) Source GFK, State Statistics Service of Ukraine Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Source State Statistics Service of Ukraine Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Note 1 To the corresponding period of the previous year on a cumulative basis Jun-21 Sep-21 12.2% Dec-21 .10.7% BA 8
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