Banking Sector Financial Highlights

Financial highlights of 3Q23 and 9M23 3023 9M23 30.7% ROE 31.1% 0.6% Cost of credit risk ratio 0.8% 28.8% Cost to income ratio 28.2% 18.5% 30 Sep 2023 CET1 capital Minimum requirement 14.7% Net loans 30 Sep 2023 GEL 19.Obn +17.6% y-o-y +4.0% q-o-q +19.0% y-o-y +3.4% q-o-q On a constant currency basis Deposits 30 Sep 2023 GEL 21.7bn +26.5% y-o-y +10.7% q-o-q +29.4% y-o-y +9.7% q-o-q On a constant currency basis 26

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