Investor Presentaiton

Balance sheet highlights GEL thousands BALANCE SHEET HIGHLIGHTS Liquid assets Cash and cash equivalents Dec-23 Dec-22 Change y-o-y Change Sep-23 q-o-q 9,984,238 3,101,824 Amounts due from credit institutions 1,752,657 10,367,600 3,584,843 2,433,028 -3.7% 10,258,057 -2.7% -13.5% 2,959,832 4.8% -28.0% 1,878,849 -6.7% Investment securities 5,129,757 4,349,729 17.9% 5,419,376 -5.3% Loans to customers and finance lease receivables 20,232,721 16,861,706 20.0% 19,010,599 6.4% Property and equipment 436,955 398,855 9.6% 430,181 1.6% All remaining assets 1,103,644 Total assets 31,757,558 Client deposits and notes 20,522,739 1,273,739 28,901,900 18,261,397 -13.4% 9.9% 1,150,976 -4.1% 30,849,813 12.4% 21,743,543 2.9% -5.6% Amounts owed to credit institutions 5,156,009 5,266,653 -2.1% 3,163,001 63.0% Borrowings from DFIs 2,124,264 1,867,454 13.8% 2,084,165 1.9% Short-term loans from central banks 2,101,653 1,715,257 22.5% 180,099 1066.9% Loans and deposits from commercial banks 930,092 1,683,942 -44.8% 898,737 3.5% Debt securities issued 421,359 645,968 -34.8% 425,560 -1.0% All remaining liabilities 637,615 479,060 33.1% 782,531 -18.5% Total liabilities Total equity Book value per share 26,737,722 24,653,078 5,019,836 4,248,822 114.62 94.07 8.5% 18.1% 21.8% 26,114,635 2.4% 4,735,178 6.0% 107.64 6.5% 60

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