Qiwi analyzed the impact of the Bank of Russia's restrictions on its business based on its actual results for the first half of 2023. Pessimistic scenario assumes that the effect in the first half of the year on payment volume would be up to 20%, on net revenue up to 25% and on adjusted net income up to 40%. Restrictions have been in place since July 26, accordingly the effect on the full year 2023 would be smaller. Company is also ready to optimize its costs in order to reduce the negative impact.