Retail Banking Financial Update

LEADING REGIONAL FRANCHISE GROWTH IN AUM GEL MILLIONS CAGR: +16.8% • DIVERSIFIED CUSTOMER BASE ACROSS MULTIPLE GEOGRAPHIES Other 14% +11.2% 2,769 2,490 2,247 1,856 1,487 1,157 984 834 512 356 1,131 1,344 1,413 1,506 1,612 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Israel 9% Galt & Taggart Wealth Management ROBUST PROFITABILITY NET OPERATING PROFIT GEL MILLIONS CAGR: +3.8% -12.8% 21.8 22.4 18.8 19.5 16.8 2.0 3.2 0.4 2.2 1.2 18.4 19.8 19.2 15.6 17.3 2016 2017 2018 Wealth Management 2019 Galt & Taggart 2020 UK 3% Europe 17% CIS 20% Georgia 37% Addressable market to drive growth covers multiple geographies 75

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