Investor Presentaiton

Retail Banking - loan yield, cost of deposits, NIM Loan yield Cost of client deposits and notes 15.2% 15.2% 15.3% 15.6% 15.9% 6.3% 5.9% 5.9% 11.1% 11.1% 11.4% 11.7% 11.9% 7.2% 6.8% 6.1% 5.9% 5.7% 5.8% 5.8% 2.7% 2.6% 2.5% 2.5% 2.6% 1.6% 1.4% 1.1% 0.8% 0.6% 1Q21 2Q21 3Q21 4Q21 1Q22 1Q21 2Q21 3Q21 4Q21 1Q22 Loan yield Loan yield (GEL) Loan yield (FC) Cost of deposits Cost of deposits (GEL) Cost of deposits (FC) NIM 4.7% 4.4% 4.2% 4.1% 4.1% 1Q21 2Q21 3Q21 4Q21 1Q22 44

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