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Investor Presentaiton

OPERATING PERFORMANCE DEVELOPMENT ACROSS PRIVATE LARGE PORTFOLIO COMPANIES (CONT'D) INSURANCE KEY DRIVERS Net premiums earned up 14.9% y-o- y in 2Q21, reflecting rebounding demand and increased prices of insurance policies. The number of new policies written in the P&C Insurance up 33.2% y-o-y in 2Q21. Combined ratio up 10.2 ppts y-o-y to 90.3% in 2Q21 due to higher passenger mobility following the removal of pandemic-related lockdown restrictions. GEL MILLION GROSS PREMIUMS WRITTEN +23.9% +13.0% 54 48 43 9 12 12 +7.3% 109 99 99 56 43 33 +17.5% 117 NET INCOME DEVELOPMENT GEORGIA CAPITAL +0.1% -9.5% 46 -13.3% 10.8 9.7 9.7 -36.5% 1.4 2.6 1.4 6.8 5.0 2.0 4.3 1.0 0.2 32 36 44 53 56 70 70 4.0 4.9 4.2 8.3 8.2 8.3 2Q19 ■P&C 2Q20 Medical 2Q21 - Total 1H19 1H20 1H21 2Q19 2Q20 2Q21 1H19 1H20 1H21 ■ P&C Medical - Total 38
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