Investor Presentaiton

RETAIL BANKING LOAN YIELD, COST OF DEPOSITS AND NIM RETAIL BANKING LOAN YIELD I QUARTERLY RETAIL BANKING LOAN YIELD I HALF-YEAR 14.9% 15.2% 15.2% 11.1% 11.1% 11.1% 15.3% 15.2% 6.6% 6.1% 5.9% 11.5% 11.1% Loan Yield 2Q20 Loan yield, GEL 1Q21 Loan yield, FC 2Q21 6.8% 6.0% Loan Yield Loan yield, GEL 1H20 1H21 Loan yield, FC 65 RETAIL BANKING COST OF DEPOSITS I QUARTERLY RETAIL BANKING COST OF DEPOSITS I HALF-YEAR 6.4% 5.9% 5.8% 2.9% 2.7% 2.6% 1.4% 1.3% 1.2% 6.0% 5.8% 2.8% 2.7% 1.4% 1.2% Cost of deposits Cost of deposits, GEL Cost of deposits, FC Cost of deposits Cost of deposits, GEL Cost of deposits, FC ■1H20 1H21 2Q20 1Q21 2Q21 RETAIL BANKING NIM I QUARTERLY 4.0% 4.6% 4.5% RETAIL BANKING NIM I HALF-YEAR 4.4% 4.6% 2Q20 1Q21 2Q21 1H20 1H21

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