Investor Presentaiton

INVESTOR PRESENTATION MORTGAGE SALES NUMBER OF MORTGAGE CONTRACTS SIGNED -12% 24 830 730 MORTGAGE CONTRACTS AS A SHARE OF SALES AVERAGE MORTGAGE RATE IN RUSSIA(1) ■ Despite recent growth of the key rate by 0.25 p.p. mortgage rates in Russia are still at record lows, driven by the State support programme and a key rate of 4.5% Mortgage contracts as a share of apartment sales are at 63% amid low mortgage rates 63% 64% 65% 9.13% 63% 8.28% 52% 7.82% 47% 44% 44% 36% 37% 6.09% 5.93% 5.92% 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 Feb-21 1Q 2020 1Q 2021 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 -- Apartments Total Source: Company data; change was calculated without rounding (1) Weighted average interest rate on mortgage loans given to residents of Russia for acquisition of apartments on the primary market during the month, based on CBR data

View entire presentation