3Q20 Financial Performance

BNB FINANCIAL HIGHLIGHTS 76 INCOME STATEMENT HIGHLIGHTS Change Change Change 3Q20 3Q19 2Q20 9M20 9M19 GEL thousands, unless otherwise stated y-o-y 9-0-9 y-o-y Net interest income 8,735 7,447 17.3% 9,157 -4.6% 27,361 20,392 34.2% Net fee and commission income 1,220 1,956 -37.6% 1,486 -17.9% 4,410 5,567 -20.8% Net foreign currency (loss) / gain (42) 5,405 NMF 3,787 NMF 4,238 14,140 -70.0% Net other (expense) / income (110) 57 NMF 350 NMF 573 Operating income 9,803 14,865 -34.1% 14,780 -33.7% 36,582 371 40,470 54.4% -9.6% Operating expenses (7,812) (9,135) -14.5% (8,098) -3.5% (24,616) (25,873) -4.9% Operating income before cost of risk 1,991 5,730 -65.3% Cost of risk (1,449) 293 Net non-recurring items 36 (1) NMF NMF 6,682 (1,928) -70.2% 11,966 14,597 -18.0% -24.8% (6,799) (2,684) 153.3% Profit before income tax 578 6,022 Income tax benefit/ (expense) 76 (1,193) -90.4% NMF (24) 4,730 NMF 2 (64) NMF -87.8% 5,169 11,849 -56.4% (1,010) NMF (966) (2,143) -54.9% Profit 654 4,829 -86.5% 3,720 -82.4% 4,203 9,706 -56.7% BALANCE SHEET HIGHLIGHTS Change Change Sep-20 Sep-19 Jun-20 GEL thousands, unless otherwise stated y-o-y 9-0-9 Cash and cash equivalents 155,782 170,787 -8.8% 187,920 -17.1% Amounts due from credit institutions 14,614 22,534 -35.1% 13,605 7.4% Investment securities 74,936 101,511 -26.2% 93,549 -19.9% Loans to customers and finance lease receivables 702,231 556,541 26.2% 638,713 9.9% Other assets 47,394 59,397 -20.2% 50,667 -6.5% Total assets 994,957 910,770 9.2% 984,454 1.1% Client deposits and notes 596,360 588,647 1.3% 647,977 -8.0% Amounts owed to credit institutions 209,535 132,648 58.0% 144,815 44.7% Debt securities issued 49,214 72,931 -32.5% 57,289 -14.1% Other liabilities Total liabilities Total equity Total liabilities and equity 22,188 8,239 169.3% 12,873 72.4% 877,297 802,465 9.3% 862,954 1.7% 117,660 108,305 8.6% 121,500 -3.2% 994,957 910,770 9.2% 984,454 1.1%

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