1Q 2018 Business Overview

Consolidated Statement of Profit or Loss RUB min 1Q 2018 1Q 2017 % chg. 1Q 2018/ 1Q 2017 Fee and commission income Interest and finance income¹ 5,505.7 4,881.4 13% -5% 4,333.6 4,578.9 Other operating income 31.5 9.3 239% Operating Income 9,870.8 9,469.6 4% Administrative and other operating expenses 1,820.8 1,679.2 8% Personnel expenses 1,707.1 1,602.2 7% Operating Expense 3,527.9 3,281.4 8% Operating Profit Other expense Profit Before Tax Income tax expense 6,342.9 6,188.2 2% -856.4 5,486.5 6,188.2 -11% -1,200.9 -1,190.1 1% 4,285.6 4,998.1 -14% Net Profit Earnings per share Basic earnings per share, RUB 1.91 2.23 -14% Diluted earnings per share, RUB 1.90 2.21 -14% ☑ MOSCOW EXCHANGE Source: Moscow Exchange, Consolidated Interim Financial Statements 1 Interest and other finance income, Interest expense, Net loss on financial assets available-for-sale, Foreign exchange gains less losses 55

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