Investor Presentaiton

Strong underlying performance Operating income* +12.4% +26.4% +2.3% All currency data are in GEL m unless otherwise stated Net non-interest income* -8.3% +11.6% +3.2% 271 915 667 2,530 642 657 250 820 115 230 585 564 2,002 222 36 27 82 18 915 192 230 271 222 250 192 820 98 125 97 47 71 100 366 466 372 396 420 428 1,615 335 1,182 434 112 119 114 98 89 317 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 4Q22 1Q23 2Q23 3Q23 4Q23 | Net interest income Net non-interest income FY22 FY23 Net fee and commission income Net foreign currency gain Net other income *Due to the settlement of a legacy claim, the fair value revaluation of the receivable resulted in a one-off other income of GEL 21.1 million posted in 2Q23, 1.5 million posted in 4Q23, totalling GEL 22.6 million posted in FY23. Net other income was adjusted for these one-offs. Due to the settlement of the same legacy claim, 4Q22 and FY22 net other income was adjusted for a one-off GEL 391.1 million. 27

View entire presentation