Investor Presentaiton

Diversified funding structure INTEREST-BEARING LIABILITIES 19,696 8.4% 19,875 18,685 18,888 7.6% 8.1% 8.1% 20,610 6.9% 11.9% 13.7% 12.6% 12.6% 11.5% 70.4% 71.1% 70.5% 70.6% 74.6% 6.8% Mar-21 4.7% Jun-21 9.9% Sep-21 9.1% Dec-21 10.8% Mar-21 Due to credit institutions Client deposits and notes Borrowings ■Debt securities issued * Converted at GEL/US$ exchange rate of 3.1013 at 31 March 2022 STRONG SUPPORT FROM IFIS c.GEL 822 million undrawn long-term facilities attracted from DFIs as at 31 March 2022 Strong long-term funding pipeline to secure resources needed for the next 12 months Liquidity management: US$77.5 million Eurobonds due 2023 repurchased BORROWED FUNDS MATURITY PROFILE (US$, million)* 469.2 185.1 161.9 119.4 284.1 103.5 70 35.3 91.9 12.1 6.1 147.0 2022 2023 2024 2025 2026 2027 2028 2029 Bonds Senior loans Subordinated loans 38

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