Investor Presentaiton

STRONG LOAN AND DEPOSIT PORTFOLIO GROWTH LOAN PORTFOLIO GEL MILLIONS +7.2% +4.2% +17.4% DEPOSIT PORTFOLIO GEL MILLIONS +1.9% -0.5% +20.4% +13.7% +17.4% 14,192 14,789 14,020 13,944 12,599 11,931 11,583 10,077 9,398 8,389 59% 8,351 56% 6,985 59% 7,598 60% 8,134 8,500 61% 8,190 59% 7,285 63% 5,800 62% 6,986 69% 5,488 67% 4,946 41% 5,80441% 6,438 44% 5,521 39% 5,755 41% 5,00140% 4,298 3,598 38% 2,646 33% 3,090 31% 37% Dec-18 Dec-19 Dec-20 Jun-20 Jun-21 Dec-18 Dec-19 Dec-20 Jun-20 Jun-21 Net loans, GEL ■Net loans, FC Client deposits and notes, FC Client deposits and notes, GEL Growth on a constant currency basis 31

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