1. Money transfers
Cash-to-cards
Cash-to-accounts
Cash-to-
m & e-wallets
Payments
The Global and European remittance markets: State of play
Speaker: Elena Gafarova, Vice-President responsible for global development, CONTACT
Payment System, RAPIDA Ltd.
Financial Supermarket
Source: CONTACT data
Russia
34%
_________
+76 YoY
FSU-
countries*
61%
_________
+23% YoY
Globe**
5%
________
+75% YoY
CONTACT corridors distribution and
growth rates
* FSU: Abkhazia, Armenia,
Azerbaijan, Belarus, Estonia,
Latvia, Georgia, Kazakhstan,
Kyrgyzstan, Lithuania,
Tajikistan, Ukraine, Uzbekistan,
South Ossetia
**Globe: countries other than
Russia and FSU
25%
60%
75%
40%
0%
40%
80%
Remittances from Russia & FSU to Globe.
Distribution of delivery methods
Bank deposit Cash payout

2. The Global and European remittance markets: State of play
Speaker: Elena Gafarova, Vice-President responsible for global development, CONTACT
Payment System, RAPIDA Ltd.
-
500
1,000
1,500
2,000
2,500
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2013 2014
Dynamics of remittance volumes from Russia to CIS, mln USD
Uzbekistan
Tadjikistan
Kyrgyzstan
Ukraine
Armenia
Azerbaijan
Moldova
Kazahstan
Belarus
Turkmenistan
-60%
-45%
-30%
-15%
0%
15%
30%
Q1 Q2 Q3 Q4
2014 VS 2013
Dynamics of remittance volume increase from Russia to CIS, mln. USD
Uzbekistan
Tadjikistan
Kyrgyzstan
Ukraine
Armenia
Azerbaijan
Moldova
Kazahstan
Belarus
Turkmenistan
Source: Bank of Russia statistics

3. The Global and European remittance markets: State of play
Speaker: Elena Gafarova, Vice-President responsible for global development, CONTACT
Payment System, RAPIDA Ltd.
Source: Bank of Russia statistics
250
350
450
550
650
750
850
950
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
2013 2014
Dynamics of average amount of remittance from Russia to CIS, USD
Uzbekistan
Tadjikistan
Kyrgyzstan
Ukraine
Armenia
Azerbaijan
Moldova
Kazahstan
Belarus
Turkmenistan
-50%
-40%
-30%
-20%
-10%
0%
10%
20%
Q1 Q2 Q3 Q4
2014 VS 2013
Dynamics of average amount of remittance increase from Russia to CIS
Uzbekistan
Tadjikistan
Kyrgyzstan
Ukraine
Armenia
Azerbaijan
Moldova
Kazahstan
Belarus
Turkmenistan