2022 and 1H22 Financial Results

- Corporate and Investment Banking – loan and deposit portfolio Net loans Deposits 41 All currency data are in GEL m unless otherwise stated +0.6% +11.6% -10.2% -6.5% +1.8% -0.7% +5.9% 5,056 5,101 4,784 4,847 4,814 +4.6% 4,752 4,195 4,270 4,015 1,396 29% 3,831 3,789 79% 3,976 79% 3,987 78% 3,792 78% 3,754 78% Growth on a constant currency basis 1,363 36% 1,456 36% 1,272 30% 1,511 35% 3,356 71% 2,468 64% 2,559 64% 2,922 70% 2,759 65% 995 21% 1,080 21% 1,114 22% 1,054 22% 1,061 22% Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Net Loans GEL Net Loans FC Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Client deposits and notes GEL Client deposits and notes FC Loan yield Cost of client deposits and notes 14.1% 14.3% 14.7% 14.9% 14.8% 13.3% 9.4% 9.2% 12.8% 8.9% 8.4% 8.1% 7.7% 7.4% 8.5% 8.7% 9.2% 9.1% 9.0% 9.1% 6.3% 6.2% 8.5% 5.6% 5.6% 6.2% 5.0% 5.3% 7.8% 7.3% 7.6% 7.4% 7.5% 7.5% 7.2% 0.6% 0.7% 0.4% 0.3% 0.0% 0.0% 0.0% 2Q21 3Q21 4Q21 1Q22 -Loan yield 2Q22 1H21 Loan yield (GEL) 1H22 2Q21 3Q21 Loan yield (FC) Starting from 3Q21, Wealth Management has been reclassified from Corporate and Investment Banking to Retail Banking. The comparative periods have been restated accordingly. 4Q21 1Q22 2Q22 Cost of deposits Cost of deposits (FC) 1H21 1H22 Cost of deposits (GEL)

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