Investor Presentaiton

CIB LOAN BOOK AND DEPOSITS HIGHLIGHTS Leading corporate bank in Georgia Integrated client coverage in key major sectors of the Georgian economy 2,434 active corporate customers* served by dedicated relationship bankers at 30 September 2021 GROSS LOAN BOOK BY SECTOR | SEP-21 Mining & quarrying Health & social work Top 10 CIB borrowers - 26.7% of CIB loan book 2.9% Financial intermediation_ 2.9% Electricity, gas &. water supply 8.4% 2.3% Other Manufacturing 15.8% 19.7% Construction 1.5% Trade 9.1% Hospitality 14.6% Real estate 15.9% Service 4.4% Transport & Communication- 2.5% Top 20 CIB borrowers - 37.1% of CIB loan book DEPOSITS BY CATEGORY | SEP-21 Time deposits, 31.0% Current accounts and demand deposits, 69.0% DEPOSITS BY CURRENCY | SEP-21 * Active business customer - a legal entity, who had at least one active credit product, has performed at least one debit transaction, or had any type of deposit with above certain threshold balance during last three months Client deposits, FC, 35.6% Client deposits, GEL, 64.4% 71

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