Retail Banking Financial Update

WELL-ESTABLISHED FUNDING STRUCTURE | DEC-20 • INTEREST BEARING LIABILITIES Interest Bearing Liabilities GEL 18.9bln Borrowings 12.1% Debt securities issued 8.4% Other amounts owed to Cl 5.5% Client deposits & notes 74.0% Current accounts Time deposits, 57.2% & demand deposits, 42.8% BORROWED FUNDS MATURITY BREAKDOWN* US$ MILLIONS • WELL DIVERSIFIED INTERNATIONAL BORROWINGS European Bank for Reconstruction and Development ADB IFC LEFSE FMO EUROPEAN FUND FOR SOUTHEAST EUROPE Black Sea Trade & Finance for Development Development Other debt securities, GEL 243mln, 6.3% Others borrowings, GEL 442min, 11.4% DFIs, Eurobonds, GEL 1,342min, 34.6% GEL 1,849mln, 47.7% Bank STRONG SUPPORT FROM IFIS 430 2.6% 1.0% 6.4% 2.0% 1.9% 0.1% 0.0% 339 0.7% 133 0.0% 0.0% 176 90 127 65 91 48 43 9 T 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 c.GEL 635 million undrawn long-term loan facilities attracted from DFIs at 31 December 2020 with up to seven years of maturity Liquidity management: US$19.5 million Eurobonds due 2023 repurchased since July 2020 Senior Loans I Subordinated Loans Eurobonds * converted at GEL/US$ exchange rate of 3.2766 at 31 December 2020 % of Total assets 37

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