Slide 1: VTB Group IFRS results
=BTB @MvVHaHCOBbie pe3yibTatTbI Tpynnb! BTB 25 despana 2025 roa
Slide 2: Disclaimer
AatHan npeseHtauma Oba NopArotosneHa BbaHkom BTB (MAO) («BTb») 6e3 npoBep|eHnA HesaBVCMMOl npoBepKM4. 3Ta NpeseHTaMA HE ABNAETCA KaKUM- nu6o npeanoxeHveM win npurnaweHnem ANA npomaxn wan sMuccun, xofaTavcTBom c KkakumM-nu60 mpepnoxeHvem oO nokynke, onnucke, aHgeppaitukre vu UHOM mpvobpeteHuu, wiv pe
Slide 3: Key results and themes
OCHOBHBIGUTOMM «2 ee ee ee ee ee ee eee ee ete ee eee eee Y)KecTO“eHMe onepalMoHHoN AL cpenpl Peanu3auya Y>KecTOoUeHNe HOBbIX Bpicokun OaHKOBCKoro CAaHKLINOHHbIX yPOBeHb perynupoBaHna CoxpaHenHne PUCKOB Poct notpe6utenbcKon neperpeBa B JKOHOMNKe VHA aKTUBHOCTU
Slide 4: VTB: 2024 results
BIB: WTOrM 2024 --- + errr Unctaa NpoOueHTHaa Mapa 1, 7% 1406.n. 1 5, 9 _ Kpegutpi Os TpAH py6. AQMUHUCTpaTUBHO- ' Yuctpie KomUCCMOHHbIE Kpegutp! O/1 faa paBneHyeckue pacxombl | Boxoppl oct r/r) q % 269,0 78 3 0% f ' 24,0 % 12,1% inne Lo == rem woe Pacxogpl / | CToumoctb Unctaa npubbinb : floctaToyu
Slide 5: Key P&L indicators 2024
KnrovesBbie noKaszatTenn P&L 2024 ----------- mnipa py6. 2024 4«'24 2024 - 2024 -- 2023 ron-krony | MM 4x'2024 —4x'2023 rop-k rony eos 4k24 2K 338 aK Unctbie “4 “4 2,9% | = npoueHTHble 487,2 36,0% 65,9% = nm 2.2% 1.95 4.9% 41406.n. Boxonbh sf ---------- 761,4 = ‘ Uucret 41 ' 7% KOMecMOHHbIe ME 269,0
Slide 6: Net interest income
NpoueHTHple loxopHoctb NPOUEHTHbIX AKTUBOB AOxofbl N48,4% ¥ 15,7% 12204 14,1% N67,1% 41019 4K'24 NpoueHTHple CTOUMOCTb NPOLIEHTHbIX Pacxoppl o6a3aTenbcTB 15,1% 1155,4 12,9% 3614,7 3K'24 4K'24 Uuctble npoueHTHble AOxopbI Yuctaa NpOueHTHad Mapa (NIM) 2,9% OW. 22% 19% 18% 08% 4k'23 1K'24 31% 4.7% O——\e
Slide 7: Net commission income
Ctpyktypa KOMUCCHOHHbIX AOXOROB 50.4% Unctbie KOMUCCMOHHbIe AOXOpbI nnn “ 3M479 %19.2% r Yuctaa KOMUCCMOHHaA Mapa (NCM) oa 0,8% — 0,8% . xT oO * somone epoca Beaton 4x'23 1K'24 2k'24 3K'24 Y 269,0 CtpykTypa KOMMCCMOHHIX pacxofoB 217,0 v 11 58,8 60,7 194 182 19,6 a 78,9 ont 54,7 ' = 1 i 1K'24 2x24 3x
Slide 8: Expenses and average assets
Pacxogpi/cpenHue akTUBbl Cost to assets 18% 7 18% © 13% 1 oe 14% ° O oO Pacxoppi/ Aoxogpbl CIR 53,7% 51,3% 6. 36.8% 44,9% 44,5% ° ’ O- ‘O- oO 127,9 112,8 110,8 99,4 RE 48% " ree AGF 50% 46% BS 52% 50% 54% 49% 4k'23 1K'24 2k'24 3«'24 4k'24 BB Agwiinctpatuettie pacxoap! Wl Pacxogbi Ha nepconan Pacxogb
Slide 9: Confident business growth
YBepeHHbin poct Gu3sHeca mnipa py6. KpeautHbi noptdenb fo BbiveTa pezepBoB CpeactBa KnveHToB Kopnopatusubii 6u3Hec no pocty ZB 136% N 35% N 34% 14019 x 31.12.2023 31.03.2024 30.06.2024 30.09.2024 31.12.2024 Po3HuyHbiii Ou3Hec N12% v E 110% N 59% 7825 7681 44, 798942 5 6% 7163 : 6980 VR pore 31.12.20
Slide 10: Cost of risk
Ctoumoctb pucka fon Utoro 11% O- ON 706% 08% o < 0,3% 0,5% 0,3% 0,2% o -0,2% -1,6% Pacxogpl Ha co3faHve pe3sepBoB nog obecLleHeHve KpeAuTOB 42,4x 4 60,8% v 166,7 23,6 31,0 36,2 v se 3 653 [-15,3] 120,2 976 64,7 32,3 -34,0 4k'23 1K'24 2k'24 3K'24 4K'24 2023 1024 tOpmanueckne anya @u3uyeckue nuya @ Ur
Slide 11: Asset quality under IFRS 9
Ka4ecTBO aKTUBOB No MC@O 9 mnipa py6. Pacxogp! Ha co3qaHue pe3epBoB 459% 162,8 66,3 Cragua 1 Cragua2 -92,3 Cragua3 + 2023 2024 NCkot TICKO npwoBperentexpequtHo-obecuewent Kpeautpi utoro N13% 20 648 23 308 12% 11% 11.4% 89% 563% 605% 31 nex 24 ton N14% 12% 13917 15796 on N12% 6731 koa. pezepsuposanna
Slide 12: Capital management
YnpaBnenne KanuTayioM --------- +22 ser rete eee QloctaTouHoctTb Kanutana O6wwi ypoBeHb Ba30Bbin Kanutan (H20.0) (H20.1) 7,3% 6,9% : 6,9% 95% 9.1% 91% mg pI DT 65% 6,2% min 8,75% min 5,25% min 8, 25% : : : min 4, 75% : oe 01.01.2024 01.04.2024 01.07.2024 01.10.2024 01.01.2025 01.01.2024 01.04.2024 0
Slide 13: Work with Eurobond holders
PaGota c fepxKaTenamu eBpooGnurayun ----------- B cootsetctsuu c Yka30m MpesugeHta P® N2430 of 05.07.2022 6 2024 rogy peanu3z0BaHo 3aMeLeHue Tpex BbINYCKOB. espoo6nuraunii NoKanbHbIMU 3aMeLalOLMMN BbInycKaMU Espoo6aurayun » 3amewarouwme o6nurayun S& ~ Banwora Cepus wn Boinnata KynOoHOB Hommnana no o
Slide 14: Results of bank integration
Utoru vnterpayunu GaHka «@K OTKpbiTve» B LN@pax 1 5, 8 Mnpa py6. 3koHOMna OT NpucoeguHeHna Baka «@K Otkpbitue» B 2024 rony 26 gekaOpa 2024 rona 2 8, 3 mnpa py6. Ookugaemaa 3KOHOMMA OT NpUCcoeAMHeEHA Baka «OK Orkpbitve» 8 2025 rony ¢ 1 aHBapa 2025 roga Po3sHMuHbIn 6u3Hec 7 8 9 mnpa py6. o6bem Yeccuid
Slide 15: Work with blocked assets
Pa6otTa c 3aG6NOKMNPOBaHHbIMH - - akTUBaMu Ctpaterua N21 Hosoe ropuquyeckoe nuyo np peopraHuzayun no 292-03 16 oxta6pa 2024 ropa O6wnm co6pannem akynoHepos Banka BTB (NAO) npuiato peurenne o peoprannsaywn Banka 8 opme sbigenctina 3 Hero topugu4eckoro nua B cooTeercTann c DegepanbHbim 2aKOHOM Ne 292-
Slide 16: Macro forecast for 2025
MakponporHos Ha 2025 ron mipaz py6. % ron kK roy % Ha KOHeL Nepuoga % Ha KOHeL Nepuoga %, CPeAHAA Kpequtpl Kpegutpi Os Kpegutpi O/1 Cpenctsa tos Cpegctsa OI
Slide 17: Results forecast for 2025
NporHo3 pe3yNbTaToB Ha 2025 ron mipa py6.
Slide 18: Appendix
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Slide 19: Key profit, loss and performance indicators
OcHOBHbIe noKa3aTenu oTYeTa ONpNGbINAX -------- uv yOpiTKax MU NOKa3saTenu sgmeKTUBHOCTN mnipa py6. OCHOBHbIE NOKA3ATEJIV OTUETA O NPUMBbIJIAX VU YBbITKAX 4KB ‘24 4KB ‘23 V3MEHEHME 12M ‘24 12M '23 V3MEHEHME Uuctble npoueHTHble AOxopbI 65,0 190,6 -65,9% 487,2 761,4 -36,0% Unctble KOMUCCMOHHbIe JOXOAb
Slide 20: Aggregated balance sheet and credit quality
ArperupoBaHHbin GanaHc VU Ka4eCTBO KpeAUTHOrO noptdena mnipa py6. ATPETMPOBAHHbIN BAIAHC 31 QEK KpegutHbii noptdent fo Bbiueta pesepBos 23 763,7 23 730,0 tOpmauyeckne auua 15 938,3 16 041,5 uavyeckve nua 7825,4 7 688,5 Vitoro akTusbi 36 070,2 33 668,5 Cpeactsa knveHTos 26 926,8 25 592,5 tOpuanyeckne