Omni-channel Growth and Financial Performance slide image

Omni-channel Growth and Financial Performance

Conservative financial policy Comments ■ Commitment to a conservative financial policy - - Fully RUB-denominated debt to match RUB revenue, mostly fixed rates Relationships with multiple Russian and international banks Leverage Q1 22 total debt - RUB 40.2 bn 1.4x ■Net debt / Adj. EBITDA ratio as of 31 March 2022 is 1.8x vs. 4.0x average covenant level across the loan portfolio (IAS 17) ■ Weighted average interest rate (1) - 12% as of 31 March 2022 ■ No contingent off-balance sheet liabilities ■ Available undrawn credit limit of RUB 29.7 bn for refinancing of the current credit portfolio aiming at its further diversification as of 31 March 2021 24,042 Q1 2021 (IAS 17) Debt maturities as of 31 March 2022 (RUB m) 10,498 5,900 2022 2023 13,730 2024 Net debt detsky mir 1.8x 39,779 36,831 31,203 24,042 31,203 Q1 2022 (IAS 17) Q1 2021 Q1 2022 (IFRS 16) (IFRS 16) Lease liabilities Net debt/Adj. EBITDA Weighted average interest rate (1) Company rate CBR 20.0% 12.0% 9.0% 8.8% 8.4% 7,5% 8.0% 8.0% 8.5% 7.5% 7.4% 6.7% 6.6% 7.2% 7.8% 7.8% 7.0% 6.3% 4.5% 4.3% 4.5% 8.5% 6.8% 6.0% 4.3% 5.5% Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Sources: Company data Notes: (1) Calculated on the basis of the weighted interest rates applying to the specified indebtedness (weighted by the principal amount of such indebtedness) as of the dates specified 37
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