Investor Presentaiton

Group balance sheet Change GEL thousands, unless otherwise stated Cash and cash equivalents Mar-22 Mar-21 Dec-21 y-o-y Change 9-0-9 1,632,690 2,361,663 -30.9% 1,520,562 7.4% Amounts due from credit institutions 1,978,568 2,200,803 -10.1% 1,931,390 2.4% Investment securities 3,174,503 2,406,405 31.9% 2,595,664 22.3% Loans to customers and finance lease receivables 16,289,380 14,601,275 11.6% 16,168,973 0.7% Accounts receivable and other loans 3,847 6,051 -36.4% 3,680 4.5% Prepayments 47,277 33,921 39.4% 40,878 15.7% Inventories 10,698 10,775 -0.7% 11,514 -7.1% Right-of-use assets 85,420 81,056 5.4% 80,186 6.5% Investment property 222,931 246,441 -9.5% 226,849 -1.7% Property and equipment Goodwill Intangible assets Income tax assets 384,828 385,352 -0.1% 378,808 1.6% 33,351 33,351 0.0% 33,351 0.0% 145,177 129,044 12.5% 144,251 0.6% 172 3,668 -95.3% 292 -41.1% Other assets 215,125 208,135 3.4% 246,947 -12.9% Assets held for sale 46,262 44,305 4.4% 46,731 -1.0% Total assets 24,270,229 22,752,245 6.7% 23,430,076 3.6% Client deposits and notes 14,517,253 14,003,209 3.7% 14,038,002 3.4% Amounts owed to credit institutions 4,676,861 4,039,250 15.8% 4,318,445 8.3% Debt securities issued 1,415,940 1,653,399 -14.4% 1,518,685 -6.8% Lease liabilities 93,807 97,488 -3.8% 87,662 7.0% Accruals and deferred income 86,154 59,455 44.9% 80,157 7.5% Income tax liabilities 49,887 57,541 -13.3% 110,868 -55.0% Other liabilities 156,488 154,253 1.4% 183,349 -14.7% Total liabilities Share capital Additional paid-in capital 20,996,390 1,618 478,149 20,064,595 4.6% 20,337,168 3.2% 1,618 0.0% 1,618 0.0% 532,787 -10.3% 492,243 -2.9% Treasury shares (58) (34) 70.6% (75) -22.7% Other reserves (38,626) 61,857 NMF (3,223) NMF Retained earnings 2,818,269 2,079,362 35.5% 2,588,463 8.9% Total equity attributable to shareholders of the Group 3,259,352 2,675,590 21.8% 3,079,026 5.9% Non-controlling interests 14,487 12,060 20.1% 13,882 4.4% Total equity 3,273,839 Total liabilities and equity 24,270,229 2,687,650 22,752,245 21.8% 3,092,908 5.8% 6.7% 23,430,076 3.6% Book value per share 68.77 55.59 23.7% 65.65 4.8% 64

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