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Investor Presentaiton

Pipeline Attractive service business - Auto Service We aim to build a diversified business model combining different auto-related services to capitalise on the large and growing automotive services market Auto park in Georgia ('000) CAGR 2012-2019: Auto park- 7% Auto park by age in 2019: 0-1 years -0.5% 7-9 years - 5.8% Cars per 1,000 people - 7% 1-3 years 1.7% 4-6 years - 3.8% 10-12 years 7.2% 12+ years -81.0% 934 1,024 1,108 1,196 1,258 1,322 1,376 860 GEORGIA CAPITAL Room for growth in the highly fragmented auto service market in Georgia Leading player 16% The rest of the market is dominated by small, owner operated lower-end service shops. 268 279 173 189 209 226 245 256 2012 2013 2014 2015 Source: MOIA Autopark 2016 2017 2018 2019 Total auto service market - Car services and parts Car insurance Secondary car trading c. GEL 1 billion market c. GEL 2.8 billion PTI No of private pessanger cars per 1,000 people c. GEL 0.1 billion market c. GEL 1.7 billion market c. GEL 50 million market We have allocated GEL 10 million¹ capital to auto service business in 2019 Successfully launched the periodic technical inspection business (PTI) Periodic technical inspection business highlights Acquired second largest player, Amboli, in Georgian auto service industry Amboli transaction Highlights Total investment GCAP allocated capital (1) Holdback of GEL 0.6 million. GEL 48mln Equity stake purchased Total cash consideration GEL 5mln Enterprise Value Additional equity capital injection ➤ Amboli deal was closed on 28 June 2019 80% GEL 3.4mln¹ 0.7x EV/Sales 2018 GEL 1.6mln Page 48
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