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Investor Presentaiton

Robust economic growth path (2/3) Comments Increasing consumer demand remains the main driver of Ukraine's real GDP growth Final private consumption grew by 11.9% (y-o-y) in 2019, whereas retail trade turnover growth started to slow down to 3.1% in Jan-May 2020 Consumer demand is driven by a number of factors, including among others improving consumer sentiments, rise in real wages, consumer lending and personal money remittances • Real wages went up by 1.4% y-o-y in May 2020 and by 6.9% y-o-y in Jan-May 2020 cumulatively with growth being supported by 13.2% increase in minimum wage in 2020 and increased competition for the labor force Real wages growth (%) and avg monthly nominal wages (UAH) 30% 14 000 20% 12 000 10 542 10% 0% (10%) (20%) (30%) (40%) 10 000 1.4% 8 000 6.000 4.000 Real wages index 2 000 Average monthly nominal wage, UAH 0 Jan-17 Mar-17 Private consumption and consumer sentiments evolution Source State Statistics Service of Ukraine Retail trade growth (y-o-y)1, % 20% 100 ៩ ៦ ៖ 8 ≥ 8 8 8 98 92 60% 15% 90 49 47 53 51 53 50 42 57 56 7.5% 8.2 5.3% 6.2% 7.5% 8.2% 63 62 59 59 60 58 66 65 ill 50% 10% 40% 5% 30% 0% 11.7% 10.7% 10.2% 20% (5%) (1.8%) (13.6%) 4.6% 2.7% 10% (10%) 12.0% 12.2% 8.5% 13.7% 11.7% 6.9% 70% (15%) 10 20(20.3% (19.0%) (27.0%) (10)% (20%) (20)% (25%) (21.7%) 0 (30)% (30%) (25.3%) July 2020 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 '15 '15 '15 '15 '16 '16 '16 '16 '17 '17 '17 '17 '18 '18 '18 '18 '19 '19 '19 '19 Consumer sentiments index (eop) Private consumption growth, % (y-o-y) Source GFK, State Statistics Service of Ukraine ..السيسي 8.8% 5.8% Feb-15 May-15 Aug-15 Nov-15 Feb-16 May-16 Aug-16 Nov-16 Feb-17 May-17 Aug-17 5.2% 7.4% 13.5% Nov-17 Feb-18 May-18 Aug-18 Nov-18 Feb-19 Feb-19 May-19 Aug-19 Nov-19 Feb-20 May-20 Note 1 To the corresponding period of the previous year on a cumulative basis Source State Statistics Service of Ukraine 3.1% 26 26
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