Investor Presentaiton

CIB LOAN YIELD, COST OF DEPOSITS AND NIM CIB LOAN YIELD I QUARTERLY CIB LOAN YIELD I NINE MONTHS 13.0% 13.2% 13.0% 13.3% 14.1% 8.6% 8.5% 8.7% 7.7% 7.3% 7.2% 8.7% 8.6% Loan Yield ■3Q20 Loan yield, GEL ■2Q21 Loan yield, FC 3Q21 CIB COST OF DEPOSITS I QUARTERLY 7.7% 7.4% Loan Yield Loan yield, GEL ■9M20 9M21 Loan yield, FC CIB COST OF DEPOSITS I NINE MONTHS 7.8% 7.4% 8.1% 5.2% 5.0% 5.6% 7.6% 8.0% 5.4% 4.7% 0.8% 0.6% 0.4% 0.6% 0.6% Cost of deposits Cost of deposits, GEL Cost of deposits, FC 3Q20 2Q21 3Q21 Cost of deposits Cost of deposits, GEL Cost of deposits, FC ■9M20 9M21 CIB NIMI QUARTERLY 5.5% 4.9% CIB NIMI NINE MONTHS 4.3% 4.9% 4.2% 3Q20 2Q21 3Q21 9M20 9M21 72

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