FY20 Results and Strategy Overview

Private large portfolio companies EXTERNALLY VALUED MEDICAL INSURANCE BUSINESS OVERVIEW Largest medical insurer in the country with 25.5%¹ market share Offering a variety of medical insurance products, with a wide distribution network to the Georgian population Market share by gross premium revenue¹ GHG in medical insurance Vienna Insurance Group Ardi PSP 12 IC Group 6 Aversi 3 Other 23 47 25% 61 34% 13% c.174,000 Number of insured clients 6% 4% 2% 30 16% Georgia Capital PLC | 1. ISSSG as of 30 September 2020. BUSINESSES MAJOR GROWTH DRIVERS GEORGIA CAPITAL Growing the number of insured clients Enhancing gross profit through the introduction of "fee business" (such as motor Casco distribution, motor Third Party Liability distribution) ▪ Increasing retention rates within the Group Medium to long-term targets Increase contribution to the Group segments ■ Combined ratio <97% 52 52

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