Investor Presentaiton

RESILIENT LOAN PORTFOLIO QUALITY COST OF CREDIT RISK RATIO ECL provision created for the full economic cycle in 1Q20 proved to be sufficient Entering the COVID-19 environment with a de-risked banking sector 2.2% 1.6% 0.9% 1.8% 3.5% LOAN PORTFOLIO QUALITY NPL coverage 92.7% 90.5% 80.9% 76.3% 73.1% NPL coverage adjusted for collateral value 130.6% 129.9% 3.8% 3.3% 139.6% 128.8% 122.2% 3.7% 3.5% 2.1% 546 525 301 318 253 0.1% 2017 2018 2019 2020 1H20 1H21 Dec-17 Dec-18 Dec-19 NPLs, GEL millions Dec-20 Jun-21 NPLs to gross loans 30

View entire presentation