2022 and 1H22 Financial Results

Group balance sheet GEL thousands, unless otherwise noted Cash and cash equivalents Amounts due from credit institutions Investment securities Loans to customers and finance lease receivables Accounts receivable and other loans Prepayments Inventories Right of use assets Investment property Property and equipment Goodwill Intangible assets Income tax assets Other assets Assets held for sale Jun-22 Jun-21 Change y-o-y Mar-22 Change q-o-q 2,834,950 1,719,058 64.9% 1,632,690 73.6% 1,766,529 3,213,917 2,035,487 -13.2% 1,978,568 -10.7% 2,149,725 49.5% 3,174,503 1.2% 16,299,630 14,789,371 10.2% 16,289,380 0.1% 3,479 2,475 40.6% 3,847 -9.6% 53,429 33,903 57.6% 47,277 13.0% 10,940 10,476 4.4% 10,698 2.3% 87,193 81,865 6.5% 85,420 2.1% 188,315 235,649 -20.1% 222,931 -15.5% 389,855 387,014 0.7% 384,828 1.3% 33,351 33,351 0.0% 33,351 0.0% 146,175 138,341 5.7% 145,177 0.7% 816 190 NMF 172 NMF 292,825 189,311 54.7% 215,125 36.1% Total assets Client deposits and notes 43,137 25,364,541 45,294 -4.8% 46,262 -6.8% 21,851,510 16.1% 24,270,229 4.5% Debt securities issued Amounts due to credit institutions Right of use liability 15,100,061 13,944,383 8.3% 14,517,253 4.0% 5,019,370 3,224,577 55.7% 4,676,861 7.3% 1,299,986 1,515,511 -14.2% 1,415,940 -8.2% 91,524 91,670 -0.2% 93,807 -2.4% Accruals and deferred income 77,948 54,626 42.7% 86,154 -9.5% Income tax liabilities 50,420 74,704 -32.5% 49,887 1.1% Other liabilities 292,585 132,678 120.5% 156,488 87.0% Total liabilities 21,931,894 19,038,149 15.2% 20,996,390 4.5% Share capital Additional paid-in capital 1,618 485,723 1,618 0.0% 1,618 0.0% 511,273 -5.0% 478,149 1.6% Treasury shares (62) (52) 19.2% (58) 6.9% Other reserves (48,922) 11,975 NMF (38,626) 26.7% Retained earnings 2,979,248 2,275,882 30.9% 2,818,269 5.7% Total equity attributable to shareholders of the Group 3,417,605 2,800,696 22.0% 3,259,352 4.9% Non-controlling interests 15,042 12,665 18.8% 14,487 3.8% Total equity 3,432,647 2,813,361 22.0% 3,273,839 4.9% Total liabilities and equity 25,364,541 21,851,510 16.1% 24,270,229 4.5% Book value per share 72.74 58.86 23.6% 68.77 5.8% 57

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