Retail Banking Financial Update

RETAIL BANKING LOANS AND DEPOSITS • MARKET SHARE - LOANS TO INDIVIDUALS* 37.5% 35.5% 38.8% 37.7% • MARKET SHARE - DEPOSITS OF INDIVIDUALS* 36.9% 34.6% 40.3% 40.3% Dec-17 Dec-18 Dec-19 Dec-20 Dec-17 Dec-18 Dec-19 Dec-20 • RETAIL BANKING LOANS GEL MILLIONS 7,428 6,267 5,044 Dec-17 Dec-18 +17.6% RETAIL BANKING DEPOSITS +24.3% GEL MILLIONS 8,735 Dec-19 Dec-20 5,713 4,339 3,267 Dec-17 Dec-18 7,102 Dec-19 Dec-20 * Market shares by loans and deposits of individuals based on standalone accounts of the banks published by the National Bank of Georgia as at 31 December 2020 66

View entire presentation