Investor Presentaiton

Resilient loan portfolio COST OF CREDIT RISK RATIO 0.8% 0.2% 32 All currency data are in GEL mln unless otherwise stated LOAN PORTFOLIO QUALITY 0.8% NPL coverage 77.5% 73.1% 1Q21 2Q21 3Q21 4Q21 1Q22 -0.2% -0.6% Cost of credit risk in the first quarter of 2022 reflected higher ECL provisions posted in the Retail Banking segment as well as higher ECL provisions for the Group's operations in Belarus. These were partially offset by strong recoveries in Corporate and Investment Banking segment. 90.9% 95.5% 97.3% NPL coverage adjusted for collateral value 127.8% 122.2% 140.9% 147.7% 153.0% 3.6% 3.5% 2.6% 535 525 2.4% 2.5% 414 424 395 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 INPLS, GEL millions NPLs to gross loans

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