Strategic development program 16 2017 - 2021

The bank today Registered name: Type of ownership : Shareholders: - InFinBank JSCB Joint-stock commercial bank Legal persons – 66,41% Natural persons – 33,59% Assets: Aggregate capital: Number of employees: Number of customers: - 1 025 076 mln. soums 149 878 mln. soums, (including Statutory capital - 139 481 mln. soums). 812 - Legal persons and individual entrepreneurs– 9 566 - Natural persons – 234 503 External auditor: Ratings : - PriceWoterhouse Coopers (international) - B3 / NP with the prognosis “Stable” – Moody’s Investors service (international); - UzA with the prognosis «Positive» – «Ahbor rating» МRК (national). Point of sale of services: - Head office (ОPЕRU); - 4 branches in Tashkent and the Tashkent region; - 10 branches in the regions (in large regional centers) 2

Corporate governance Corporate governance is a system of relationships between the Bank's management bodies (General Meeting, The Board of the Bank, the Management Board and the Bank's Committees) which acts as a mechanism for determining the goals and objectives of the Bank and monitoring of their achievement and performance. General Meeting Auditing Commission Audit Committee Internal Audit Department The Board of the Bank Советники Консультанты Risks Supervisory Committee Counsellors consultants , The Management Board of the Bank Chairman of Board of the Bank Crediting Committee Assets and Losses Management Comitee iIvestment Committee 3

Strategic goals The bank's strategic goal is to achieve the leading positions among medium-sized banks in Uzbekistan, to firm up as a universal bank with stable competitive positions. In order to fully achieve the strategic goal, the reporting period for the realization of which is assigned to 31.12.2021, the Bank ensures the achievement of complementary key objectives: - Assuring the positive dynamics of the Bank's market position and fixing it to the level: the leading position among medium-sized banks in terms of range activity; leading positions in performance indicators. - Attraction of direct foreign investments into the share capital of the Bank with a share of foreign investors at the minimum proportion of 25%. - Formation of the necessary regulatory framework for effective functioning of the corporate governance system and orderly assuming of relevant measures for its practical implementation. - Introduction and development of methods of modern marketing and PR - formation of the bank's image, public relations systems, marketing strategies in compliance with the Bank's strategic goals. - Reasonable application of the cost-cutting strategy in relation to the level of services quality. - Increase in the resource base by expanding the structure and funding tools, as well as attracting resource- intensive customers. - Improvement of the Bank's management by involving highly qualified banking professionals, as well as training the Bank's management in modern management technologies. - Improvement of risk assessment and management systems, internal audit and internal control. - Further improvement of the methods of work with the personnel - teamwork, corporate culture, motivation, middle management training. 7

Tools for achieving strategic goals Achievement of the Bank's strategic goals is based on effective implementation of the management tools with their own development models elaborated for each of them: Planning and control system Business process management system Human Resources Management System (including motivating system), and the organizational structure Quality management system ISO 9001:2015 Document management system Marketing management system Risk management system Project management system 5

Expected outcomes of the implementation of the strategic program After the expiry of 5 years of the strategic development period, the Bank is expected to show the growth of the main business indicators at the level: , Assets - 4.1 times Сredit portfolio - 4,0 раза Capital- 5,8 раза The number of branches will be brought to 21 The number of corporate clients - 3.2 times, up to 31 thousand The number of clients represented by natural person - 3.1 times, up to 750 thousand. 6

InFinBank joint-stock commercial bank Address: 1 Taras Shevchenko St., the Republic of Uzbekistan, 100029 Phone number: +998 (71) 202 50 60 Fax: +998 (71) 202 50 70 E-mail: info@infinbank.com 7