Retail Banking Financial Update

BNB FINANCIAL HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change 4Q20 4Q19 3Q20 2020 2019 GEL thousands, unless otherwise noted y-o-y 9-0-9 y-o-y Net interest income 8,888 7,194 23.5% 8,735 1.8% 36,249 27,586 31.4% Net fee and commission income 1,268 1,602 -20.8% 1,220 3.9% 5,678 7,169 -20.8% Net foreign currency gain/(loss) 1,963 6,548 -70.0% (42) NMF 6,202 20,688 -70.0% Net other income / (expense) 1,240 92 NMF (110) NMF 1,812 463 NMF Operating income 13,359 15,436 -13.5% 9,803 36.3% 49,941 55,906 -10.7% Operating expenses (8,334) (9,493) -12.2% (7,812) 6.7% (32,950) (35,366) -6.8% Operating income before cost of risk 5,025 5,943 -15.4% 1,991 152.4% 16,991 20,540 -17.3% Cost of risk 2,819 (7) NMF (1,449) NMF (3,981) (2,691) 47.9% Net non-recurring items (128) (46) NMF 36 NMF (125) (110) 13.6% Profit before income tax 7,716 5,890 31.0% 578 NMF 12,885 17,739 -27.4% Income tax (expense) / benefit (1,768) (1,261) 40.2% 76 NMF (2,734) (3,404) -19.7% Profit 5,948 4,629 28.5% 654 NMF 10,151 14,335 -29.2% BALANCE SHEET HIGHLIGHTS Change Change Dec-20 Dec-19 Sep-20 GEL thousands, unless otherwise noted y-o-y 9-0-9 Cash and cash equivalents 163,193 212,777 -23.3% 155,782 4.8% Amounts due from credit institutions 20,042 12,742 57.3% 14,614 37.1% Investment securities 94,459 81,573 15.8% 74,936 26.1% Loans to customers and finance lease receivables 698,542 580,876 20.3% 702,231 -0.5% Other assets 42,416 55,102 -23.0% 47,394 -10.5% Total assets 1,018,652 943,070 8.0% 994,957 2.4% Client deposits and notes 589,152 608,777 -3.2% 596,360 -1.2% Amounts owed to credit institutions 234,641 144,621 62.2% 209,535 12.0% Debt securities issued 34,067 69,438 -50.9% 49,214 -30.8% Other liabilities Total liabilities Total equity Total liabilities and equity 28,237 11,038 155.8% 22,188 27.3% 886,097 833,874 6.3% 877,297 1.0% 132,555 109,196 21.4% 117,660 12.7% 1,018,652 943,070 8.0% 994,957 2.4% 86

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