Investor Presentaiton

Healthy loan portfolio COST OF CREDIT RISK RATIO 0.8% 0.2% 30 All currency data are in GEL m unless otherwise stated LOAN PORTFOLIO QUALITY 0.7% NPL coverage 73.1% 90.9% 0.6% 0.1% 2Q21 3Q21 4Q21 1Q22 2Q22 1H21 1H22 -0.2% -0.6% Cost of credit risk down in the second quarter of 2022 vs 1Q22, with RB's cost of credit risk stabilised during 2Q22, as expected NPLs to gross loans broadly stable 95.5% 97.3% 89.6% NPL coverage adjusted for collateral value 122.2% 140.9% 147.7% 153.0% 138.0% 3.5% 2.6% 2.5% 2.6% 2.4% 525 414 424 437 395 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 INPLS, GEL millions NPLs to gross loans

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