3Q 2021 Financial Overview

Retail clients: a growing segment of the Russian financial market Number of active retail client accounts Equities Market 2013-Oct2021: x41.4 times +69% 2,396,735 +262% +74% 1,417,987 Derivatives Market 2013-Oct2021: x4.2 times +28% +43% +15% +20% +3% +60% 117,192 91,401 63,931 FX Market¹ 2013-Oct2021: x1244 times +53% +396% 1,113,176 +46% +106% +29% 109,538 190,235 392,163 74,911 57,946 Dec Dec Dec Dec Dec Dec Oct 2013 2015 2017 2018 2019 2020 2021 46,285 55,476 44,860 28,068 Dec Dec Dec Dec Dec Dec Oct 2013 2015 2017 2018 2019 2020 2021 Regulatory changes stimulating retail participation in financial market: +138% +68% ~17 times ♥25,461 895 15,159 +142% 728,721 146,789 60,651 Dec Dec Dec Dec Dec Dec Oct 2013 2015 2017 2018 2019 2020 2021 ■ Introduction of tax-advantaged individual investment accounts (IIAs) for private investors since 2015 ■ IIAs turned even more relevant in 2021, when bond coupons and interest on deposit (principal > RUB 1mln) became taxable ■ Tax exemption on capital gains on securities held for 3+ years (up to RUB 9 mln for securities purchased after 1 Jan 2014) Retail investors can remotely open a brokerage account. It is particularly important in Russia's far-flung regions. ☑ MOSCOW EXCHANGE 1 DMA clients 28

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