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Investor Presentaiton

RETAIL BANKING LOANS AND DEPOSITS MARKET SHARE-LOANS TO INDIVIDUALS* 38.8% 37.5% 37.7% MARKET SHARE - DEPOSITS OF INDIVIDUALS* 39.0% 40.3% 36.9% 40.3% 40.3% Dec-18 Dec-19 Dec-20 Dec-21 Dec-18 Dec-19 Dec-20 Dec-21 RETAIL BANKING LOANS GEL MILLIONS 8,768 7,488 6,323 +18.0% RETAIL BANKING DEPOSITS GEL MILLIONS 10,350 Dec-18 Dec-19 Dec-20 Dec-21 8,608 7,117 5,607 +11.0% 9,558 Dec-18 Dec-19 Dec-20 Dec-21 * Market shares by loans to and deposits of individuals based on standalone accounts of the banks published by the National Bank of Georgia 63
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