Investor Presentaiton

STRONG UNDERLYING PERFORMANCE OPERATING INCOME GEL MILLIONS +24.2% 639 +39.8% +10.3% 335 304 NET NON-INTEREST INCOME GEL MILLIONS +39.3% 198 +64.8% +17.0% 51 514 198 31% 240 142 28% 65 27% 107 107 142 91 32% 91 16 27 30% 41 23 65 53 22 22 9 19 441 372 72% 69% 228 23 212 68% 175 70% 106 73% 73 49 40 57 33 1H20 1H21 2Q20 1Q21 2Q21 1H20 1H21 2Q20 1Q21 Net non-interest income Net interest income Net other income Net foreign currency gains Net fee and commission income Strong net interest income and net fee and commission income generation driving robust top-line performance 2Q21 27

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