Key Investment Highlights

Key Investment Highlights

• One of the largest universal commercial banks in Russia (among TOP-5)
• Second largest branch network with 65 branches and over 1,300 additional offices
• Broad customer base comprising over 6 million clients
• Credit ratings by ACRA at ‘AA(RU)’, with ‘Stable’ outlook
• Diversified loan portfolio, reduced concentration risk
• Leading position (market share) among Russian financial institutions in terms of lending to agribusiness and seasonal works financing
• Key participant in the implementation of the State Program on Agribusiness Development 2013-2025 and other national programs to support priority sectors and segments of the economy
• Extensive knowledge of agribusiness and related subsectors
• Strong and experienced management team

Ratios*

	31 December 2022
CET1 Ratio (N1.1)	10.1%
Tier1 Ratio (N1.2)	11.5%
Capital Adequacy Ratio (N1.0)	14.5%

* Calculated based on Basel III requirements
Source: audited IFRS Financial Statements as of 31 December 2022

Key Financial Highlights

USD million	31 December 2022
Loans and advances to customers	45,178.0
Total assets	60,580.3
Customer accounts	47,813.0
Subordinated debts	1,910.8
Total liabilities	56,477.1
Total equity	4,103.1
Profit/(Loss) for the year	71.7
CIR	56%
LTD	101%

Source: audited IFRS Financial Statements as of 31 December 2022
Bank of Russia RUB/USD exchange rate as of 31 December 2022: 70.34