P&C Insurance and Beverages Business Financial Overview slide image

P&C Insurance and Beverages Business Financial Overview

Listed portfolio Georgia Healthcare Group (GHG) overview (cont'd) http://ghg.com.ge/ Stock price performance 4.50 GBP 1.70 4.00 IPO price 3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 Nov-15 Feb-16 May-16 Aug-16 Nov-16 Feb-17 May-17 Aug-17 Nov-17 Feb-18 May-18 Aug-18 Nov-18 Selected operating metrics GEORGIA HEALTHCARE GROUP GEORGIA CAPITAL Financial metrics (GEL millions) 2015 20161 2017 2018 Healthcare services EBITDA, excl. IFRS 16 Pharmacy and distribution EBITDA, excl. IFRS 16 54 74 70 76 2019 844 Change 9.9% N/A 39 52 65 25.1% GBP 1.22 as of 26-Feb-2020 Healthcare services EBITDA margin, excl. IFRS 16 Pharmacy and distribution EBITDA margin, excl. IFRS 16 Net profit, excl. IFRS 16 27.4% 30.2% 26.4% 24.9% 24.6%4 -0.3ppts N/A 4.3% 8.6% 10.1% 10.6% 0.5ppts 24 375 46 53 69 29.8% EPS (GEL) 0.15 0.24 0.23 0.27 0.36 33.4% Dividend payout ratio N/A N/A N/A 20% 25% 5.Oppts Feb-19 May-19 Aug-19 Nov-19 Feb-20 Performance track record Capex evolution ROIC Declared 3-year investment 20.0% 111 programme at IPO in 2015 14.9% 13.9% 12.8% 90 15.0% GEL millions 71 10 64 9.0% 12.7% 11 42 10.0% 102 10.8% 11.0% 80 13 64 53 7.9% 29 5.0% 2016 2017 2018 2019 2015 2016 2017 Development capex 2018 Maintanance capex 2019 ⚫ROIC adjusted³ ROIC 2018 2019 Change Number of hospitals & clinics 53 52 -1 Number of hospital beds 2,967 2,967 NMF Hospital bed occupancy rate² 54.7% 57.1% +2.4ppts Number of community clinic beds 353 353 NMF Number of pharmacies 270 296 +26 Number of bills issued (millions) 27.1 28.8 +1.7 Number of individuals insured c. 157,000 c. 236,000 50.3% Insurance claims retention rates within Group 39.4% 42.5% +3.1 ppts (1) (2) FY16 includes only May-Dec pharmacy and distribution results. Excluding emergency beds. (3) Adjusted to exclude newly launched hospitals and polyclinics that are in roll-out phase. (4) (5) Calculated based on aggregation of Hospitals, Clinics and Diagnostic segment results. Excluding deferred tax adjustment of GEL 24 million. GEL millions EBITDA & Operating cash flow (excluding IFRS16) Revenue 81% 81% 54% 54% 75% EBITDA CAGR 28.9% 154 132 125 108 100 78 56 45 42 58 2015 EBITDA 2016 Operating cash flow GEL millions 426 246 CAGR 40.7% 748 850 963 2017 2018 2019 2015 2016 2017 2018 2019 EBITDA to cash conversion ratio Page 31
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