Mission 2 We are the major universal bank in the Urals Region. We create and maintain the customer base and establish mutually beneficial relations with customers. We feel committed to participate in spheres of activities of our customers providing them with the wide range of banking services meeting their requirements and complying with the international banking practice and standards. We ensure absolute fulfillment of all obligations undertaken to our partners and gaining profit to our shareholders. We conduct our business open for customers and shareholders in strict compliance with the Russian laws based on corporate management standards, fair competition, updated IT solutions and high professional level of the Bank executives and staff. We reward our employees according to the contribution of each to the Bank results achieved. We regard social demands with attention and together with local authorities aim at participating in promotion of social projects for the benefit of the society, growth and improvement of economy of the Chelyabinsk Region.

“CHELINDBANK” at a Glance 3 “CHELINDBANK” at a Glance Universal Bank Major directions of services: cash and settlement services, corporate lending, SME and retail lending, retail savings and corporate deposits, securities market services, foreign exchange and foreign currency transactions, foreign economic activities operations, bank cards services, retail banking including money transfers and payments One of the Largest Russian Regional Banks As of 01 January, 2017 the Bank holds: the 63-rd position by the volume of retail consumer credit portfolio (“BANKI.RU) the 66-th position by the profit after taxation (“Interfax-100. Banks of Russia”) the 63-rd position by personal savings (“Interfax-100. Banks of Russia”) the 82-nd position by the Bank capital (“Interfax-100. Banks of Russia”) Customer Base Over 19.5 thousand legal entities and entrepreneurs with settlement accounts opened with the Bank; over 1 mln accounts opened for individuals Wide Customer Service Network ◦ Head Office in Chelyabinsk, Russia ◦ 47 structural units in 26 towns of the Chelyabinsk Region, ◦ a branch in Yekaterinburg, ◦ 227 ATMs, ◦ 5,397 POS - terminals Fitch Ratings International Ratings: Long-term Issuer Default (IDR): “ВB-” Rating Outlook “Stable“ Credit Rating (Long-term Credit Rating): “A+” Rating Sub-level: (top grade) Rating Outlook “Stable“ Expert RA Financial Statements IFRS – AO “KPMG”, Financial Statements RAI – ZAO “Ekaterinburg Audit-Center”

4 Partnership PJSC "CHELINDBANK" is recognized as a significant regional credit institution on the payment services market (the Bank of Russia Order dated March 17, 2016 №OD-907 "On recognition of significant credit institutions in the payment services market“). CHELINDBANK is in the list of credit institutions authorized to provide guarantees in accordance with the requirements of the Federal Law dated April 05, 2013 №44-FZ "On the contract system in the procurement of goods, works and services for the public and municipal needs". The bank was one of the first who went through the registration procedure in a single information system. The Ministry of Finance of the Russian Federation included CHELINDBANK in the register of authorized banks whose guarantees may secure the accelerated reimbursement of VAT by the tax authorities of the Russian Federation. 4

Licenses 5 Licenses Participation in associations and unions The General Banking License № 485 dated 04.12.2015 issued by the Central Bank of Russia The License on Banking Operations with Precious Metals № 485 от 04.12.2015 The Licenses entitling the Bank to operate as a professional participant of the securities market as a broker, dealer and depositary Principal Participant of VISA (since 1996), VISA Regional Acquiring License (since 2003) A signed Offer of VISA LLC with regard to the VISA Payment System Operating Rules and associated tariffs for the services of VISA LLC payment system as a Direct Participant (as of 20.02.2013) Agreement of “MasterCard” OOO with an Indirect Participant on Joining the Rules of the Payment System “MasterCard” OOO in Russia (dd. 22.04.2013) Compliance Certificate PCI DSS 3.2 Participant of “MIR” Payment System Licenses Participation in associations and unions Regional Banks Association “Russia” Russian Banks Association South-Ural Trade and Commerce Chamber Chelyabinsk Regional Office of Association of Employers “Union of Industrials and Entrepreneurs” Chelyabinsk Regional Office of Public Organization “Union of Industrials and Entrepreneurs” Self-regulating organization "National Financial Association” The Banking Union of the Chelyabinsk Region Participation in Sock Exchanges Member of Stock section and Foreign Currency section of “Moscow Exchange MICEX-RTS” (Moscow) Savings Insurance Agency The Bank is in the register of the banks participating in the Obligatory Savings Insurance System under No1.

6 Branch Network The Bank Head Office is located in Chelyabinsk, Russia. On the territory of the Chelyabinsk region CHELINDBANK has 28 branches, 19 outlets and a branch in Yekaterinburg.

Assets, Capital, Share Capital 7 Assets, Capital, Share Capital As on 01.01.2017: Share Capital – 809 mln.rubles Capital – 7,76 billion rubles Assets – 47,6 billion rubles * According to the Management Reporting

Customer Services 8 Services to corporate customers Retail Banking Foreign exchange transactions and services Bank cards services Cash and settlement services Deposit operations Lending Guarantee operations International settlements Service of customers’ foreign economic activity Salary projects Issue and discount of bills Collection Remote banking service systems: «Client+Bank», «Client+Bank Online», «Client+Bank iBank2», Securities market services Operations with precious metals coins and bullions Safe custody Issue and service of corporate bank cards Leasing Deposits in rubles and foreign currency Lending Issue and service of VISA cards, MasterCards Transfers in rubles and foreign currency (including Western Union, SWIFT operations, BLIZKO, “Zolotaya Korona”, “Contact”) Foreign exchange purchase and sale operations Individual payments to organizations for rendered services Remote banking service systems: “Internet-Bank”, “Internet-Trading”, “Mobile Bank” Operations with precious metals coins and bullions Safe custody Securities operations Issue and discount of bills Foreign settlements in all internationally accepted forms by SWIFT : transfer, letter of credit, collection Bank guarantees issue and confirmation of L/C by the first-class European banks with or without coverage Individuals foreign currency transfers without opening a current foreign currency account Foreign exchange transactions Purchase and sale of foreign currency Foreign exchange control Transactions with currency with restricted convertibility VISA Electron, VISA Classic, VISA Gold, VISA Business, VISA Platinum, MasterCard Standart, MasterCard Gold issue and handling Acquiring in VISA, MasterCard and MIR systems Issue and servicing corporate local settlement system cards including “Bon Appetit” cards, co-branding cards Corporate cards issue and handling Regular payments through card accounts Loans to cardholders

9 CHELINDBANK renders services to corporate customers of different industries, patterns of ownership and scope of activity. The Bank corporate customers are enterprises of ferrous and non-ferrous industry, chemical industry, machinery manufacturing, defense enterprises, food industry, travel and trading companies, educational institutions, etc. Our customers are: PJSC “Ashinsky Metallurgical Plant” CJSC “URALMOSTOSTROY” “Soyuspishcheprom” Association OJSC “Sverdlovsk Suburban Company” OJSC “Transenergo” OOO PTK “Soyuz-Polimer” CJSC “Unichel” Footwear company CJSC “MIASSMEBEL” OOO PZP “Vtor-Kom” OJSC “Kopeysky Engineering Plant” OOO “STROYCOM” ZAO”KONAR” CJSC “Vostokmetallurgmontazh-1” “Legion” Construction Company Corporate banking * According to the Management Reporting

10 Cooperation with the “SME Bank” in lending to small and medium-size businesses Since 2009 CHELINDBANK has been cooperating with JSC “SME Bank”, Moscow on crediting small and medium-size businesses. As on January 1, 2017 the loan debt amounts to 708.1 million rubles. As on January 1, 2017 the Bank credit portfolio of the small business lending program is 4.7 bln RUR and more than 4,000 credit agreements are concluded with the clients. * According to the Management Reporting

Correspondent Network 11 Correspondent Network As on January 1, 2017 the correspondent network of CHELINDBANK consists of 231 correspondent banks including 85 resident banks and 146 non-resident banks from 42 countries: 23 correspondent banks with 45 NOSTRO-accounts, 9 respondent banks with 14 LORO-accounts, 32 partner banks cooperating within the framework of the signed General Agreements, 8 banks with Cash Foreign Currencies Banknote Agreements signed, 202 banks with no account relations Main Correspondent Banks The Bank of New York Mellon, New York, USA COMMERZBANK AG, Frankfurt-am-Main, Germany VTB Bank (Deutschland) AG, Frankfurt-am-Main, Germany CREDIT SUISSE (FIRST BOSTON), Zurich, Switzerland RAIFFEISEN BANK International AG, Vienna, Austria Kazkommertsbank JSC, Аlmaty, Каzаkhstan

12 Retail Banking Retail market services development is one of the Bank’s priorities. The Bank offers its customers consumer loans, lending within the framework of salary projects, mortgage lending, credit cards lending, car lending. As on January 1, 2017 total amount of rendered retail credits comprised 8,7 billion rubles. The Bank offers a wide range of time deposits that makes possible different variants of depositing and saving individual funds. As on January 1, 2017 the total amount of attracted individual funds comprised 27,3 billion rubles. * According to the Management Reporting

13 Bank Cards Operations As on January 1, 2017 the amount of VISA cardholders issued by “CHELINDBANK” comprised 181,8 thousand. In Chelyabinsk and other towns of the Region 227 ATMs and 5397 point-of-sale terminals have been installed. More than 3,500 agreements for corporate service in the framework of salary projects with the use of bank cards have been signed.

CHELINDBANK Assets Structure 14 CHELINDBANK Assets Structure As on 01.01.2017 the Assets comprise 47 580.6 mln RUR: Cash & due from Central Bank– 3 684.8 mln RUR Due from Banks – 4 162.1 mln RUR Securities – 11 312.8 mln RUR Customer loans – 24 016.8 mln RUR Fixed assets – 3 103.7 mln RUR Other assets– 1 300.4 mln RUR CHELINDBANK Liabilities Structure As on 01.01.2017 the Liabilities are: Due to Banks – 815.1 mln. RUR Due to corporate customers – 6 942.4 mln. RUR Due to individuals – 27 335.9 mln. RUR Securities – 61.2 mln. RUR Other liabilities – 388.8 mln. RUR Equity – 8 050.6 mln. RUR Loss provisions – 3 986.4 mln. RUR * According to the Management Reporting

Financial results RAI (published reports) 15 Financial results RAI (published reports) Parameters As on October 01, 2016 in thous.RUR As on January 01, 2016 Total assets Cash and due from Central Bank Due from banks Net lending receivables Securities owned, net Fixed Assets, intangible and tangible Other assets 43 286 546 3 496 814 2 718 087 25 299 800 8 149 267 2 941 682 680 896 40 617 471 3 815 296 3 102 646 23 154 101 6 829 909 2 947 112 768 407 Total liabilities Amounts owned to banks Customer funds, total Including individual deposits Other liabilities 35 565 839 1 103 942 33 191 667 27 496 495 1 270 230 33 431 817 1 241 021 30 973 969 25 393 134 1 216 827 Equity 7 720 707 7 185 654 For 9 months of 2016 For 9 months of 2015 Net interest and similar income Net fees and commissions received Provisions change Operating expenses Profit after taxation 1 858 651 533 051 -297 170 1 416 476 668 232 1 515 979 507 686 -382 666 1 230 907 502 277 Requirements: N1_0 (min 8%) N2 (min 15%) N3 (min 50%) ROA* ROE* 19,0 670,5 319,8 2,6% 10,8% 17,7 380,2 292,0 2,4% 10,4% * According to calculation methods of the Bank of Russia Directive № 2332-U