Investor Presentaiton

CIB LOAN YIELD, COST OF DEPOSITS AND NIM CIB LOAN YIELD I QUARTERLY CIB LOAN YIELD I HALF-YEAR 13.1% 12.8% 7.8% 7.5% 12.4% 12.2% 13.3% 8.3% 8.6% 8.5% 7.5% 7.6% 7.3% 8.7% 8.5% Loan Yield ■2Q20 Loan yield, GEL 1Q21 Loan yield, FC 2Q21 CIB COST OF DEPOSITS I QUARTERLY Loan Yield Loan yield, GEL 1H20 ■1H21 Loan yield, FC CIB COST OF DEPOSITS I HALF-YEAR 8.1% 8.1% 7.4% 7.5% 7.7% 4.9% 4.4% 4.2% 4.6% 4.0% 1.7% 1.5% 1.4% 1.7% 1.5% Cost of deposits Cost of deposits, GEL Cost of deposits, FC 2Q20 1Q21 2Q21 Cost of deposits Cost of deposits, GEL Cost of deposits, FC 1H20 1H21 CIB NIMI QUARTERLY CIB NIMI HALF-YEAR 4.1% 3.9% 3.7% 3.4% 3.6% 2Q20 1Q21 2Q21 1H20 1H21 71

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