Retail Banking Financial Update

CIB LOAN BOOK AND DEPOSITS HIGHLIGHTS Leading corporate bank in Georgia Integrated client coverage in key major sectors of the Georgian economy 3,020 corporate customers served by dedicated relationship bankers at 31 December 2020 • GROSS LOAN BOOK BY SECTOR | DEC-20 Top 10 CIB borrowers - 29.4% of CIB loan book Mining & quarrying 3.8% Health & social work 2.6% Other 15.8% Manufacturing 22.7% Financial intermediation 1.1% Electricity, gas &. water supply 5.2% Transport & Communication 4.0% Construction 1.6% Trade 9.2% Hospitality 13.1% Real estate 17.1% Service 3.8% Top 20 CIB borrowers - 39.8% of CIB loan book • DEPOSITS BY CATEGORY | DEC-20 Current accounts Time deposits, 52.0% and demand deposits, 48.0% DEPOSITS BY CURRENCY | DEC-20 Client deposits, FC, 47.7% Client deposits, GEL, 52.3% 72

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