Investor Presentaiton

RETAIL BANKING LOAN YIELD, COST OF DEPOSITS AND NIM RETAIL BANKING LOAN YIELD I QUARTERLY 15.4% 15.3% 15.6% 11.1% 11.4% 11.7% RETAIL BANKING LOAN YIELD I FULL YEAR 11.4% 11.3% 6.0% 5.7% 5.8% 15.4% 15.3% 6.5% 5.9% Loan Yield ■4Q20 Loan yield, GEL 3Q21 Loan yield, FC Loan Yield Loan yield, GEL ■2020 2021 Loan yield, FC 4Q21 RETAIL BANKING COST OF DEPOSITS I QUARTERLY 6.0% 6.3% 6.8% RETAIL BANKING COST OF DEPOSITS I FULL YEAR 6.2% 6.2% 2.9% 2.6% 2.9% 2.5% 2.5% 1.8% 1.1% 0.8% 1.8% 1.2% Cost of deposits Cost of deposits, GEL Cost of deposits, FC Cost of deposits Cost of deposits, GEL Cost of deposits, FC 2020 2021 4Q20 3Q21 4Q21 RETAIL BANKING NIM I QUARTERLY 4.0% 4.2% 4.4% RETAIL BANKING NIMI FULL YEAR 4.1% 4.2% 4Q20 3Q21 4Q21 2020 2021 64

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