Investor Presentaiton

BNB financial highlights INCOME STATEMENT HIGHLIGHTS Change Change Change 2Q22 2Q21 1Q22 1H22 1H21 GEL thousands, unless otherwise noted y-o-y 9-0-9 y-o-y Net interest income 10,773 9,752 10.5% 10,325 4.3% 21,098 18,099 16.6% Net fee and commission income Net foreign currency gain 2,842 1,622 75.2% 1,054 169.6% 3,896 3,192 22.1% 20,574 3.029 579.2% 11,960 72.0% 32,534 6,575 394.8% Net other income 1,417 53 NMF (3,225) NMF (1,808) (184) NMF Operating income 35,606 14,456 146.3% 20,114 77.0% 55,720 27,682 101.3% Operating expenses (12,575) (9,656) 30.2% (12,263) 2.5% (24,838) (17,998) 38.0% Operating income before cost of risk 23,031 4,800 379.8% Cost of risk Net non-recurring items Profit before income tax 2,206 1,061 107.9% 7,851 (26,367) (8) (277) -97.1% 25,229 5,584 351.8% (21) (18,537) 193.4% NMF -61.9% NMF 30,882 9,684 218.9% (24,161) 306 NMF (29) (343) -91.5% 6,692 9,647 -30.6% Income tax expense (1,288) Profit 23,941 (1,222) 4,362 5.4% 448.9% (1,288) (1,948) -33.9% (18,537) NMF 5,404 7,699 -29.8% BALANCE SHEET HIGHLIGHTS Jun-22 Jun-21 GEL thousands, unless otherwise noted Cash and cash equivalents 370,718 122,271 Amounts due from credit institutions 9,074 56,967 Change y-o-y 203.2% -84.1% Change Mar-22 9-0-9 218,316 69.8% 8,764 3.5% Investment securities 52,074 95,899 -45.7% 50,693 2.7% Loans to customers and finance lease receivables 507,654 657,473 -22.8% 649,218 -21.8% Other assets 46,167 45,624 1.2% 44,484 3.8% Total assets 985,687 978,234 0.8% 971,475 1.5% Client deposits and notes 644,899 493,355 30.7% 556,649 15.9% Amounts due to credit institutions 201,446 329,063 -38.8% 301,572 -33.2% Debt securities issued 11,362 6,583 72.6% 7,772 46.2% Other liabilities Total liabilities Total equity Total liabilities and equity 12,538 15,696 870,245 844,697 115,442 133,537 985,687 978,234 -20.1% 3.0% -13.6% 0.8% 11,171 12.2% 877,164 -0.8% 94,311 22.4% 971,475 1.5% 58

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