Banking Sector Financial Highlights

Income statement highlights GEL thousands 3Q23 3Q22 Change y-o-y 2Q23 Change q-0-q 9M23 9M22 Change y-o-y INCOME STATEMENT HIGLIGHTS Net interest income Net fee and commission income Net foreign currency gain Net other income Operating income Operating expenses 419,976 295,071 42.3% 395,909 6.1% 118,949 97,790 5,738 642,453 (185,314) 79,662 150,686 49.3% -35.1% 1,092 526,511 425.5% 22.0% (160,870) Profit from associates 302 250 Operating income before cost of risk 457,441 365,891 Cost of risk (35,805) (48,048) 15.2% 20.8% 25.0% -25.5% Net operating income before non-recurring items 421,636 317,843 Net non-recurring items 58 428 89,165 100,018 -2.2% 82,083 -93.0% 667,175 -3.7% (179,365) 3.3% -55.7% 488,492 -6.4% (32,152) 11.4% 32.7% 456,340 -7.6% -86.4% NMF 33.4% 682 1 1,187,785 320,416 268,460 96,476 9,162 1,873,137 1,417,111 32.2% (528,849) (460,125) 14.9% 1,202 626 92.0% 1,345,490 957,612 40.5% (116,255) (66,392) 75.1% 1,229,235 891,220 37.9% 708 -100.0% 847,691 40.1% 219,559 340,699 -21.2% 45.9% 953.0% Profit before income tax expense and one-off items 421,694 318,271 Income tax expense (64,330) (28,053) 32.5% 129.3% 456,341 (68,878) -7.6% -6.6% Profit adjusted for one-off items 357,364 290,218 23.1% 387,463 -7.8% 1,229,235 (183,079) 1,046,156 891,928 37.8% (85,653) 113.7% 806,275 29.8% One-off items Profit 357,364 290,218 23.1% 21,061 408,524 -12.5% NMF 21,061 1,067,217 NMF 806,275 32.4% Basic earnings per share 8.12 Diluted earnings per share 7.92 6.27 6.19 29.5% 9.14 -11.2% 23.76 27.9% 8.94 -11.4% 23.22 17.13 16.99 38.7% 36.7% 59

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