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Investor Presentaiton

STRONG TRANSACTIONS OFFLOADING TO DIGITAL CHANNELS* 12 NUMBER OF TRANSACTIONS MILLIONS Share of digital transactions 93.2% 93.5% 93.5% 94.2% 96.0% 95.1% 96.1% 95.9% 96.2% +61.5% 57.7 52.5 51.9 51.9 48.3 48.8 2.2 48.3 46.8 3.4 2.5 2.0 9.1 3.3 3.2 8.7 2.7 8.5 8.2 2.0 7.8 8.1 35.8 7.3 7.4 1.4 20.1 35% 6.1 21.0 40% 27.5 57% 26.6 55% 27.4 52% 22.5 43% 16.8 35% 22.9 49% 13.8 39% 9.5 20% 12.8 24% 10.8 22% 18.3 35% 20.6 40% 22.2 46% 26.3 46% 13.6 29% 14.3 40% 2Q19 3Q19 4Q19 iBank/mBank 1Q20 2Q20 Express Pay terminals 3Q 20 ATMs 4Q20 â– Branches Other 1Q21 Strong presence in Georgia via our self-service Express Pay terminals Continuous migration of customers activity to mBank/iBank from Express Pay terminals - 26% of customers activity migrated to mBank/iBank during the past two years 2Q21 3,141 Express pay terminals +0.7% y-o-y +0.5% q-0-9 206 Branches -8.0% y-o-y Flat q-o-q 795k mBank/iBank active users** +19.3% y-o-y +1.0% q-o-q 972 ATMs +3.4% y-o-y More than 96% of daily transactions executed through digital channels * Information on this slide depicts the usage of channels by individual customers ** Active user - at least one login in the past three months +0.9% q-o-q
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