2022 and 1H22 Financial Results

2Q22 and 1H22 financial highlights Resilient loan portfolio Strong top-line Outstanding profitability quality and focus on efficiency Solid portfolio growth Operating income Profit Cost of credit risk ratio Loans 30 Jun 2022 GEL 495m GEL 275m +47.7% y-o-y +25.0% q-o-q 2Q +36.3% y-o-y +14.5% q-o-q 2Q 0.6% 2Q GEL 16.3bn GEL 891m 1H +39.5% y-o-y GEL 516m +51.3% y-o-y 1H 0.7% 1H +10.2% y-o-y +0.1% q-o-q* * Share of non- interest income Cost to income ROAE Deposits 30 Jun 2022 43.2% 2Q 32.8% 2Q 32.5% 2Q GEL 15.1bn +8.3% y-o-y ** 37.9% 1H 31.8% 1H 33.6% 1H +4.0% q-o-q ** * Growth on a constant currency basis was 17.8% y-o-y and 4.3% q-o-q. ** Growth on a constant currency basis was 16.0% y-o-y and 9.1% q-o-q. 24 Robust capital base and liquidity position CET 1 capital 30 Jun 2022 14.0% Minimum requirement 11.7% Liquidity coverage 30 Jun 2022 113.5% Minimum requirement 100%

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