Our Sustainable Ecosystem

We are stepping up and are committed to following global standards

Tinkoff contributes to the achievement

of The UN 2030 Agenda for Sustainable

Development and identifies five goals

where we can have the most impact

Tinkoff joined the United Nations

Environment Programme Finance

Initiative (UNEP FI)

The 2020 Sustainability Report is the first

non-financial report prepared by the

Company in accordance with GRI

Standards: Core option, as well as the

SASB Standards

We are using GHG Protocol

methodology to analyze our

emissions

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Sustainability now engrained in the governance structure of the company

1 5

Started June 2021,

Head Of Sustainability joined the Group

This role covers sustainability strategy execution,

project management and ESG-reporting

CEO

Overall responsibility for sustainability strategy and performance

1 share 1 vote Independent directors joined TCS Group' Board of Directors in May 2021 (2/3 of directors are now independent)

Board of directors(1 june 2021)

Male Female

Management team(1 june 2021)34%

66% 72%

28%

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We comprehensively analyse our ESG risks and prioritize our efforts

Key stakeholders

Issues material to the business and our stakeholders

Shareholders and bondholders

Communities and NGOs

Government bodies & regulators

Customers

Employees

Business partners

4

Champion ethical business

and environmentally friendly

operations and partnerships

Empower and engage

all our peoplePromote responsible

finance through education,

inclusion and innovation

1 2 3

These are our three sustainability objectives

Priority SDGs

Quality education

Ensure inclusive and equitable

quality education and promote

lifelong learning opportunities

for all

Achieve gender equality

and empower all women

and girls

Gender equality

Promote sustained, inclusive and

sustainable economic growth,

full and productive employment

and decent work for all

Decent work and economic growth

Build resilient infrastructure,

promote inclusive and

sustainable industrialisation

and foster innovation

Industry, innovation and infrastructure Take urgent action to combat

climate change and its impacts

Climate action

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1. Promote responsible finance through education, inclusion and innovation

6

Data privacy & cybersecurity

Caller ID as the first free service in Russia

against unwanted calls

Voice assistant ‘OLEG’ integrated into the

mobile apps of Tinkoff Investments and Tinkoff

Mobile

New Call Defender platform as anti-fraud tool

Selfie as a new factor for identifying a person

in the application

Launched a course on information security

at the Higher School of Economics, with tuition

delivered by Tinkoff employees

Product responsibility

'Fraud protection' guide on Tinkoff Journal

Tinkoff Green Economy Fund launched

Secrets.tinkoff.ru with resources for SMEs

Free legal help service for entrepreneurs and

companies participating in state purchase

contracts

4k+ loan restructuring under state programs

and 270k+ under our own restructuring and

temporary relief programs

Tinkoff Investments educational materials –

investments guide, social educational

platforms, podcasts/videos, youtube shows

Community engagement and financial inclusion

No minimum threshold for a business turnover

to become a client of Tinkoff

60%+of total active brokerage customers

in Russia covered by Tinkoff Investments

Development of Open Source products

32.7 m RUR donated to communities and NGOs

Support for AI startups aimed at SDGs

Cashback for Charity attracted

10k+ regular supporters

Investment Box as the first service

for micro investing

new Tinkoff Journal materials published daily

20+unique readers of Tinkoff Journal in 2020

80m+

14m+active users per month

1.3m+users are active on the social platform

700k+are active learners of our financial literacy materials

1k+experts and professional contributors are ready to give advice or feedback

Tinkoff Journal – our personal finance and financial education platform

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Сlimate action At the moment we are aligning our business strategy to be consistent with

and contribute to individuals’ needs and society’s goals, as expressed

in the Sustainable Development Goals, the Paris Climate Agreement and relevant

national and regional frameworks

GHG emissions inventory

Climate-related risks and opportunities analysis

Setting climate-related targets developed in line with scientific

recommendations for staying within 2 degrees

Current projects:

Improved governance standards

100% increase in precision of anti-fraud checks

50% increase in fraudulent activities detected by anti-fraud system

30% decrease in fraud-to-sales ratio

Whistleblower hotline and slack channel launched

Business ethics

We are assessing not only the environmental impact from our facilities, but also are

using proactive approach to reducing the environmental footprint from our business

activities, including purchased goods and services, corporate travel

Environment footprint

Aiming to receive a BREEAM certificate for our new HQ

Installation of LED lighting

Use of equipment with low Total harmonic distortion (THD)

Reduction of the influence of non-linear load on the supply network

Installation of automated lighting control system

Installation of ventilation machines with recuperators to recover waste heat

Use of free-cooling mechanisms for refrigeration equipment

Current projects:

2. Champion ethical business and environmentally friendly operations and partnerships

Tinkoff has developed a new

technology that allows

various market players to

switch to electronic checks

and completely eliminate

paper ones.

The Tinkoff-WWF Eco-Card

is made from recyclable,

environmentally-friendly

materials, is easy to

process and reduces waste.

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3. Empower and engageall our people

28 years

37%

average age of our 15,369

full-time employees

Of IT and engineering

professionals are

women

Russian best employer

for women with highest score

for career development

opportunities (Forbes)

1st place

+20% -23%

in the Employee Development

and Training nomination

for The T-Life program at the

IT HR Awards

Growth on the average

tenure of a Tinkoff

employee (excl. top

management)

in comparison to 2019

Decrease in the turnover

in 2020 with improvements

across all departments

resulted in the average

turnover rate at 35%

TOP 3

83 300

best employers in Russia

according to Forbes

Top managers are

members of the

equity-based

incentives

Key employees are

members of the cash-based

but equity-linked retention

program

330.1m Rub

investment in employee

training

Are average hours

of training per member

of management and per

employee respectively

A total of 5,693

vacancies in 2020 were

filled by internal talent

pool of Tinkoff

TOP 4 37h and 25h

100%

Business

Woman average wage as % of man average wage*, by department

104%

G&A

97%

Operations

94%

Sales andMarketing

92%

Technology

*Excludes top management. 9

Working on climate-related targets

Appointment of new Non-Executive directors

Development of ESG strategy

Implementation of ESG-related projects and services

Recognized leadership in Europe among fintechs

Our next steps and what you can expect from us

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Appendix

ESG Risk Rating Ranking

Universe Rank Percentile

87th8624/1479Global Universe

80th830/1063Bank

48th210/430Reglonal Bank

Out of Banking Services

Companies

467/929 TOP 10Among banks in Russia

BBB

BBB A AA AAACCC BBB

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