About CHELINDBANK CHELINDBANK is a major universal Bank of the Urals region, was founded in 1990. The Bank provides the individuals and business with a full range of services in the financial market. CHELINDBANK's activities are based on corporate governance standards, the principles of compliance with Russian laws and fair competition, the use of modern software and technology solutions and a high professional level of managers and employees of the Bank. CHELINDBANK was registered with the Central Bank of the Russian Federation on 16 October 1990. In 1992, the Bank was transformed into an open joint stock company. In 2015, the name of the legal form was brought into compliance with the current legislation of the Russian Federation. Today the Bank is called: JOINT-stock COMMERCIAL BANK CHELINDBANK (public joint stock company), short name - PJSC CHELINDBANK.

Mission We are the major universal bank in the Urals Region. We create and maintain 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 values For customers and partners Bank with an impeccable business reputation Bank that constantly develops and maintains mutually beneficial long-term relationships with customers and partners Bank with a high level of customer satisfaction in obtaining banking services Bank where every customer is welcomed Bank that constantly offers its customers new products and comfortable and safe services Bank with modern technologies in customer service For employees Bank that values its employees and employees are loyal to the Bank Bank that provides a high professional level of its employees Bank that provides its employees with a worthy remuneration for conscientious work For shareholders and investors Bank follows corporate governance standards Bank ensures stable profitable operations, growth of equity capital and annual payment of dividends to shareholders due to a stable and efficient business model Bank has a high business reputation in the market

CHELINDBANK at a Glance 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 Universal Bank As of 01 January, 2019 the Bank holds: the 56-th position by the volume of individuals funds (“Interfax-100. Banks of Russia”) the 65-th position by the volume of individuals credit portfolio (BANKI.RU) the 71-st position by profit after taxation (“Interfax-100. Banks of Russia”) the 77-th position by Bank capital (“Interfax-100. Banks of Russia”) the 78-th position by corporate loans (BANKI.RU) the 98-th position by assets (“Interfax-100. Banks of Russia”) One of the Largest Russian Regional Banks About 18.8 thousand legal entities and entrepreneurs with settlement accounts opened with the Bank; about 791 thousand accounts opened for individuals Customer Base Head Office in Chelyabinsk, Russia 50 structural units in 26 towns of the Chelyabinsk Region, a branch in Yekaterinburg, 235 ATMs, 7,169 POS - terminals Wide Customer Service Network Fitch Ratings International Ratings: Long-term Issuer Default (IDR): “ВB-” Rating Outlook “Stable“ The first rating was received in 2008. Expert RA National Rating: Credit Rating (Long-term Credit Rating): “ruA+” Rating Outlook “Stable“ The first rating was received in 2015. Financial Statements IFRS – AO “KPMG”

Partnership PJSC "CHELINDBANK" is recognized as a significant credit institution on the payment services market (the Bank of Russia Bulletin № 29 dated April 11, 2018, “Register 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. The Russian Federal Custom Service included CHELINDBANK and its Magnitogorsk Branch in the registry of financial institutions which may act as guarantors for custom authorities. CHELINDBANK is in the list of authorized banks and banks that can open escrow accounts for settlements under contracts of participation in shared construction in accordance with the Federal law dated December 30, 2004 №214-FZ “On participation in the shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation".

Licenses Licenses and Agreements 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 (dated 20.02.2013) Agreement with “MasterCard” LLC with an Indirect Participant on Joining the Rules of the Payment System “MasterCard” LLC in Russia (dated 22.04.2013) Compliance Certificate PCI DSS 3.2 Participant of “MIR” Payment System The License issued by the Russian Federal Security Service Division for Chelyabinsk Region (N 0002110) reg. N 283 dated 19.05.2015) 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 listed in the register of the banks participating in the Obligatory Savings Insurance System under No 1.

Branch Network The Bank Head Office is located in Chelyabinsk, Russia. On the territory of the Chelyabinsk region CHELINDBANK has 28 branches, 22 subsidiary offices and a branch in Yekaterinburg, Sverdlovsk region.

Assets, Capital, Share Capital 9 Assets, Capital, Share Capital As on 01.01.2019: Share Capital – 809 mln.rubles Capital – 8,74 billion rubles Assets – 53,7 billion rubles * According to the Management Reporting

Customer Services 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 discounting of bills Collection Remote banking service systems: «Client+Bank», «Mobile application «Chelindbank Business», «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, MIR Transfers in rubles and foreign currency (including Western Union, SWIFT operations, “Zolotaya Korona”) 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, MIR 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

11 Corporate banking 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, machinery manufacturing, food industry, travel and trading companies, educational institutions, etc. Our customers are: PJSC “Ashinsky Metallurgical Plant” OJSC “MODERN GLASS” “Soyuspishcheprom” Association СJSC “Innovations and business in energy” OJSC “Transenergo” PTK “Soyuz-Polimer” LLC CJSC “Unichel” Footwear company CJSC “MIASSMEBEL” PZP “Vtor-Kom” LLC JSC “Kopeysky Engineering Plant” “STROYCOM” LLC CJSC ”KONAR” CJSC “Vostokmetallurgmontazh-1” * According to the Management Reporting

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, 2019 the loan debt amounts to 171 million rubles. As on January 1, 2019 the Bank credit portfolio of the small business lending program is 5.6 bln RUR and more than 4,600 credit agreements are concluded with the clients. * According to the Management Reporting

Correspondent Network 13 Correspondent Network As on January 1, 2019 the correspondent network of CHELINDBANK consists of 197 correspondent banks including 76 resident banks and 121 non-resident banks from 38 countries: 24 correspondent banks with 47 NOSTRO-accounts, 7 respondent banks with 10 LORO-accounts, 18 partner banks cooperating within the framework of the signed General Agreements, 6 banks with Cash Foreign Currencies Banknote Agreements signed, 169 banks with no account relations 245 231 210 197 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 (SWITZERLAND), Zurich, Switzerland RAIFFEISEN BANK International AG, Vienna, Austria Tsesnabank JSC, Аstana, Каzаkhstan Main Correspondent Banks

14 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, 2019 total amount of rendered retail credits comprised 10,2 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, 2019 the total amount of attracted individual funds comprised 30,0 billion rubles. * According to the Management Reporting

Bank Cards Operations As on January 1, 2019 the amount of VISA cardholders issued by “CHELINDBANK” comprised 175 thousand. In Chelyabinsk and other cities of the region and in Ekaterinburg city 235 ATMs and 7169 point-of-sale terminals have been installed.

CHELINDBANK Assets Structure* as on January 01, 2018 as on January 01, 2019 51,3 bln RUR 53,7 bln RUR CHELINDBANK Liabilities Structure* as on January 01, 2018 as on January 01, 2019 51,3 bln RUR 53,7 bln RUR * According to the Management Reporting

Financial results RAI (published reports) Balance parameters (Form 0409806) As on January 01, 2019* in thous.RUR As on January 01, 2018 Total assets Cash and due from Central Bank Due from banks Net lending receivables Securities owned, net Fixed Assets, intangible and tangible Other assets 50 257 910 4 249 232 316 138 27 419 098 15 367 387 2 301 974 604 081 47 720 988 4 012 111 318 207 26 350 252 14 099 267 2 290 790 650 361 Total liabilities Amounts owned to banks Customer funds, total including individual deposits and entrepreneurs Other liabilities 41 569 184 179 408 39 993 181 31 783 670 1 396 595 39 686 302 263 846 38 173 823 29 744 051 1 248 633 Equity 8 688 726 8 034 686 Income and expenses (Form 0409807) For 2018* For 2017 Net interest and similar income Net fees and commissions received Provisions change Operating expenses Profit after taxation Equity return on net profit 2 778 509 819 091 -209 556 2 496 095 765 749 9,2% 2 809 812 773 361 -101 118 2 455 141 828 399 13,9% Requirements (Form 0409135): N1_0 (min 8%) N2 (min 15%) N3 (min 50%) As on January 01, 2019 19,6% 262,2% 138,4% 20,0% 325,4% 140,3% * preliminary data