Investor Presentaiton

STRONG LOAN AND DEPOSIT PORTFOLIO GROWTH LOAN PORTFOLIO GEL MILLIONS DEPOSIT PORTFOLIO GEL MILLIONS +14.2% +9.8% +14.3% +17.7% 15,579 14,192 13,627 -5.0% -1.6% +2.5% +5.9% 14,020 12,985 13,313 11,931 10,077 9,398 8,611 59% 55% 8,389 8,259 61% 8,134 8,50061% 63% 6,985 59% 8,228 8,334 63% 5,800 62% 6,986 69% 5,488 67% 4,946 41% 5,80441% 6,969 45% 5,36939% 5,521 39% 3,598 38% 4,757 4,979 37% 2,646 33% 3,09031% 37% Dec-18 Dec-19 Dec-20 Net loans, GEL Sep-20 Net loans, FC Sep-21 Dec-18 Dec-19 Dec-20 Sep-20 Sep-21 Client deposits and notes, FC Client deposits and notes, GEL Growth on a constant currency basis 31

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