Investor Presentaiton

BNB FINANCIAL HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change 2Q21 2Q20 1Q21 1H21 1H20 GEL thousands, unless otherwise noted y-o-y 9-0-9 y-o-y Net interest income 9,752 9,157 6.5% 8,347 16.8% 18,099 18,626 -2.8% Net fee and commission income 1,622 1,486 9.2% 1,570 3.3% 3,192 3,190 0.1% Net foreign currency gain 3,029 3,787 -20.0% 3,546 -14.6% 6,575 4,280 53.6% Net other income/ (expense) 53 350 -84.9% (237) NMF (184) 683 NMF Operating income 14,456 14,780 -2.2% 13,226 9.3% 27,682 26,779 3.4% Operating expenses (9,656) (8,098) 19.2% (8,342) 15.8% (17,998) (16,804) 7.1% Operating income before cost of risk 4,800 6,682 -28.2% 4,884 -1.7% 9,684 9,975 -2.9% Cost of risk 1,061 (1,928) NMF (755) NMF 306 (5,350) NMF Net non-recurring items (277) (24) NMF (66) NMF (343) (34) NMF Profit before income tax expense 5,584 4,730 18.1% 4,063 37.4% 9,647 4,591 110.1% Income tax expense (1,222) (1,010) 21.0% (726) 68.3% Profit 4,362 3,720 17.3% 3,337 30.7% (1,948) 7,699 (1,042) 3,549 86.9% 116.9% BALANCE SHEET HIGHLIGHTS Jun-21 Jun-20 GEL thousands, unless otherwise noted Change y-o-y Change Mar-21 9-0-9 Cash and cash equivalents 122,271 187,920 -34.9% 192,338 -36.4% Amounts due from credit institutions 56,967 13,605 NMF 66,673 -14.6% Investment securities 95,899 93,549 2.5% 94,952 1.0% Loans to customers and finance lease receivables 657,473 638,713 2.9% 705,261 -6.8% Other assets 45,624 50,667 -10.0% 50,418 -9.5% Total assets 978,234 984,454 -0.6% 1,109,642 -11.8% Client deposits and notes 493,355 647,977 -23.9% 587,724 -16.1% Amounts owed to credit institutions 329,063 144,815 127.2% 347,018 -5.2% Debt securities issued 6,583 57,289 -88.5% 20,761 -68.3% Other liabilities Total liabilities Total equity Total liabilities and equity 15,696 12,873 21.9% 17,498 -10.3% 844,697 862,954 -2.1% 973,001 -13.2% 133,537 121,500 9.9% 136,641 -2.3% 978,234 984,454 -0.6% 1,109,642 -11.8% 85

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