Dear shareholder,

Here you will find the materials for all agenda items. By reviewing them you will get a full picture of the bank’s performance
over the previous year and understand specific agenda items to make balanced and unbiased decisions.

Please also read the Rules of Business Communication for the Shareholders that we have prepared so that you know
the procedure of the meeting and our rules of communication and business behavior.

We hope that these rules will be of use and help you navigate through the meeting.

The amount of
dividends recommended
by the Supervisory Board:

per ordinary share —

RUB 12

per preferred share —

RUB 12