Investor Presentation

ALDAGI BUSINESS MODEL ALDAGI BY ALDAGI we mean: Insurance business (Health insurance, Life insurance, Property & Casualty (P&C)) carried by JSC Aldagi Insurance, and Healthcare business (HC), or hospital services provided by Aldagi subsidiaries JSC My Family Clinic and JSC Unimed A well-diversified, fast growing business with undisputed market leadership based on 4 KEY PILLARS INSURANCE A INSURANCE Health Insurance 1.4% of GDP Life Insurance 0.1% of GDP Property and Casualty 0.4% of GDP C 32.6% 5.9% Profit share 38.6% 22.9% D Multi-Profile Hospital Chain 9.8% of GDP GDP figures represent FY 2012 results | Profit shares stand for Sep YTD "13 results | JSC - Joint Stock Company B HEALTHCARE 3

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