3Q 2021 Financial Overview

2020 summary of financials Operating income RUB bln Fee and commission income¹ Interest and finance income² +1% +12% X% CAGR '15-20 Operating expenses (excluding provisions) RUB bln Remaining administrative expenses³ Personnel expenses 34.9% 36.2% 24.5% 28.1% +8% D&A and IT maintenance Cost-to-income ratio 35.7% 34.5% 48.6 +9% 46.0 43.6 43.2 38.5 39.9 29% 16.8 39% 61% 54% 45% 40% 14.5 15.4 13.4 11.3 12.3 3.4 3.4 71% 3.0 3.1 3.2 3.4 39% 46% 55% 60% 61% 5.8 5.9 6.2 6.5 7.1 8.5 2.5 3.3 4.1 4.5 4.9 4.9 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 EBITDA and EBITDA margin Net income RUB bln Adjustments4 Reported EBITDA Adjusted EBITDA margin RUB bln 72.0% 72.4% Adjustments5 Reported net income 21.4% Adjusted ROE 16.8% 17.1% 17.5% 18.9% 79.4% 77.1% 72.8% 71.9% -1% +13% 27.4% -2% +14% 36.5 35.2 27.9 25.2 25.2 33.6 28.7 31.1 20.8 22.1 28.1 0.0 20.3 0.0 1.0 2.4 1.0 1.9 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 Source: Moscow Exchange 1 Includes Other operating income 2 ☑ MOSCOW 3 EXCHANGE Includes Interest and other finance income, Interest expense, Net gain on financial assets AFS/FVTOCI and Foreign exchange gains less losses Remaining administrative expenses are calculated as General and administrative expenses less Depreciation of property and equipment, Amortisation of intangible assets and Equipment and intangible assets maintenance 40 4 Adjustments are related to 1) IFRS 9 movement in allowance for ECLS and 2) one-off provisions in FY 2018, FY 2019 and FY 2020 5 Adjustments are related to 1) IFRS 9 movement in allowance for ECLS, 2) change in amortization schedules and 3) one-off provisions in FY 2018, FY 2019 and FY 2020

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