Erkin Norov

Bank Otkritie Financial Corp. PJSC engages in the provision of commercial activities, trading with securities, foreign currencies and derivative instruments, and providing loans and guarantees. It operates through the following segments: Corporate; Small businesses; and Retail banking; Investment Activities and Other Assets Management; and Unallocated Amounts. The Corporate banking segment provides banking services to large and medium-sized corporate customers. The Small businesses banking segment provides banking services to small businesses and individual entrepreneurs. The Retail banking segment provides banking services to individual customers, affluent and wealthy individuals. The Investment Activities and Other Assets Management includes trading products with fixed income and equity products, foreign exchange, precious metals and derivatives on such products, operations on monetary markets, operations under repurchase agreements, brokerage services and asset management and other investment banking services. The Unallocated amounts segment balances income and expense items not allocated to any of the segments in the internal management reporting systems. The company was founded on May 12, 1992 and is headquartered in Moscow, Russia.

BM-Bank JSC engages in the management of bad and non-core assets. Its activities include debt recovery and restructuring, sale of mortgaged property, as well as corporate account maintenance. The company was founded on June 11, 1993 and is headquartered in Moscow, Russia.

Part of VTB Bank PJSC, Airport Alliance BV provides investment services. The company is based in Amsterdam, Netherlands.

AvtoVAZ PJSC engages in the manufacture and sale of passenger automobiles. Its activities include production and sale of vehicles, assembly kits, and automotive components of own production done by the company. The company was founded on July 20, 1966 and is headquartered in Togliatti, Russia.