QIWI : View Presentation

Company Presentation

September 2021

CAUTIONARY STATEMENT REGARDING FORWARD LOOKING STATEMENTS

This presentation is for informational purposes only and is not an offer to sell securities or a solicitation of an offer to buy any securities, and may not be relied upon in connection with the purchase or sale of any security. This presentation contains forward- looking statements. All statements other than statements of historical fact contained in this presentation are forward-looking statements. In some cases, you can identify forward-looking statements by terminology such as "may," "will," "should," "expects,"

"plans," "anticipates," "believes," "estimates," "predicts," "potential" or "continue" or the negative of these terms or other comparable

terminology. These statements are only current predictions and are subject to known and unknown risks, uncertainties and other factors that may cause our or our industry's actual results, levels of activity, performance or achievements to be materially different from those anticipated by the forward-looking statements. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. For a description of the risks we face, see the "Risk Factors" section of the Form 20-F that we filed with the Securities and Exchange Commission on March 24, 2020, which is available by visiting the SEC's website at www.sec.gov. Except as required by law, we are under no duty to update or revise any of the forward-looking statements, whether as a result of new information, future events or otherwise, after the date of this presentation.

In addition to International Financial Reporting Standards, or IFRS, financials, this presentation includes certain non-IFRS financial measures. These non-IFRS financial measures are in addition to, and not a substitute for or superior to, measures of financial performance prepared in accordance with IFRS. A reconciliation of non-GAAP measures to the most directly comparable IFRS measures is contained in the appendix to this presentation.

This presentation contains statistical data that we obtained from industry publications and reports generated by third parties. Although we believe that the publications and reports are reliable, we have not independently verified this statistical data.

2

QIWI IS A LEADING PROVIDER OF NEXT GENERATION PAYMENT AND FINANCIAL SERVICES WITH A PROVEN TRACK-RECORD OF INNOVATION

Prepaid mobile	Push	Self-Service	QIWI
top-up cards	Payments	kiosks	Visa Card

1999

2003

2006

2007

2008

2009

Merger of	QIWI
OSMP and
Wallet
E-port

Money

Remittance

Card to card	Flocktory	FinTech
payments		innovation

2012	2013	2015	2016	2018	2019	2020	2021	FUTURE

IPO on

NASDAQSOVESTSale of SOVEST

& wind down of Rocketbank

Listing on	Open API	Tochka	Sale of Tochka
MOEX

3

TODAY QIWI IS AN INTEGRATED OMNI-CHANNEL ECOSYSTEM WITH EXTENSIVE ADOPTION AND UBIQUITOUS PRESENCE…

Leading provider of next-gen payment and financial services in Russia and the CIS

Key facts1

	Key facts1					Total Net Revenue2
						RUB bn Includes Rocketbank
	over1.7 tn RUB		27.4+ mn			Payment
						and Sovest operations	87%
							Share of
	LTM Payment volume		Unique ecosystem users				Services
			Segment

Payment services

~15 mn

Active QIWI wallets

~100 k

Kiosks and terminals

CAGR 25%	26.0
	23.2
	19.7

Portfolio of B2B services

Core focus on specialized	Digital entertainment
high growth markets	Digital commerce
lacking convenient digital	Self-employed
solutions	Money Remittance
	QIWI startups
	& ventures

													13.2
				8.8		10.2	10.6
2.8	3.3	4.2	6.2												6.6	6.4
2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	3Q		3Q
																	2020	2021

Note: 1 As of September 30, 2021 if not stated otherwise, for additional details, please see QIWI's Earnings Report on Form 6-K filed with the Securities and Exchange Commission on November 23, 2021, QIWI's latest annual report on Form 20-F	4
filed with the Securities and Exchange Commission on April 15, 2021 and Terms and Definitions section of the presentation; 2 Including Contact and Rapida financial results starting from June 2015. Including Flocktory financial results starting from

December 2019

PAYMENT SERVICES