Etalon Group Mortgage and Real Estate Market Insights slide image

Etalon Group Mortgage and Real Estate Market Insights

Nationwide sales & marketing network supports sustainable contracting Powerful sales network across the country Regional population actively buys apartments in Moscow and St. Petersburg Murmansk Apatity Arkhangelsk Severodvinsk SPMA Cherepovets Petrozavodsk Yaroslavl MMA Izhevsk Ekaterinburg Ukhta ⚫ Norilsk Salekhard Nadim • Noviy Urengoy Siktivkar Noyabrsk Surgut Chelyabinsk Novosibirsk Etalon Group's sales offices / representatives Established relationships/ partnerships with local sales agencies Nizhnevartovsk Tomsk Etalon Group's regional sales geography(1) Share of total Region contracts Leningrad 6.3% Khanty-Mansiysk AD 2.9% Krasnoyarski krai 2.5% Murmansk 2.4% Yamalo-Nenets AD 2.0% Kamchatski krai 1.7% Khabarovski krai 1.7% Petropavlovsk- Kamchatskiy Yakutia 1.6% Yakutsk Magadan Other Russian regions 17.8% Mirniy Foreigners 0.6% Total: 39.6% ● Neryungri Khabarovsk Blagoveshchensk Usolye-Sibirskoye Irkutsk Uzhno- Sakhalinsk The Group's flats are sold in 14 out of 15 richest Russian regions Average income per capita (US$)(2) Nenets AD Yamalo-Nenets AD Vladivostok ⚫ Nakhodka 2075 1776 Moscow 1727 Chukotka 1534 Magadan 1331 Sakhalin 1251 Khanty-Mansiysk AD 1233 Tyumen 1138 Kamchatski krai Murmansk 1080 1020 Moscow region 1016 984 Yakutia 972 Sverdlovsk 964 Khabarovski krai Russia average 929 804 Etalon Group's target regions • Etalon Group sales force is focused on the regions with the largest income per capita Key markets: SPMA and MMA • • 36 cities covered with 13 sales offices in St. Petersburg and 15 more sales offices nationwide • External professional marketing and sales service agents engaged nationwide (1)Source: company data for the 2Q 2014 (2) Average monthly cash income per capita, Rosstat's estimates as of FY13, average USD/RUB fx rate in 2013 31.91 Etalon Group Saint Petersburg 8
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