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WELL-ESTABLISHED FUNDING STRUCTURE | DEC-21 INTEREST-BEARING LIABILITIES Interest-Bearing Liabilities GEL 19.9bln WELL-DIVERSIFIED INTERNATIONAL BORROWINGS Debt European Investment Bank Borrowings securities European Bank 12.6% femtion and Devement issued 7.7% Other amounts owed to Cl 9.1% Client deposits & notes 70.6% Current accounts & demand deposits, 49.9% Time deposits, 50.1% IFC Black Sea Trade & Development EFSE EUROPEAN FUND FOR SOUTHEAST EUROPE FMO Finance for Development BORROWED FUNDS MATURITY BREAKDOWN* US$ MILLIONS 462 6.1% 2.3% 1.3% 2.1% 1.9% 0.5% 0.2% 0.1% 0.0% 297 162 70 174 165 36 101 92 12 6 147 2022 2023 2024 2025 2026 2027 2028 2029 2030 Senior loans Subordinated loans Eurobonds % of total assets * Converted at GEL/US$ exchange rate of 3.0976 at 31 December 2021 Bank Other debt Others securities, GEL borrowings, GEL 373mln, 280mln, 7.0% 9.3% DFIs, Eurobonds, GEL 1,239mln, 30.7% GEL 2,135min, 53.0% STRONG SUPPORT FROM IFIS ■ C.GEL 960 million undrawn long-term facilities attracted from DFIs at 31 December 2021 with up to twelve years of maturity Strong long-term funding pipeline to secure resources needed for the next 12 months Liquidity management: US$53.4 million Eurobonds due 2023 repurchased since July 2020 36

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