Investor Presentaiton

2▸ Λ CURRENT STATE AND EXPECTATIONS Changes in Business Environment Changes in the business environment per types of activity Real estate C (M) F N H S Trade Significant improvement Moderate improvement Not changed Moderate impairment G SMES ENGAGED IN TRADE SECTOR REPORTED SIGNIFICANT IMPAIRMENT. According to type of activity, COMPANIES ENGAGED IN "REAL ESTATE ACTIVITIES" (L) REPORTED SIGNIFICANT IMPROVEMENT, which is probably due to increase in real estate prices. MORTGAGE LOANS REPORTED 30.8% YOY GROWTH IN 2019. Significant impairment L Real estate activities Source: 2019 SME research, Ameria CJSC G Trade S Other services 13

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