Investor Presentaiton

Focusing on profitability, while maintaining strong competitive positions MARKET SHARE - GROSS LOANS MARKET SHARE - CUSTOMER DEPOSITS 39.5% 39.0% 38.8% 38.9% 39.0% 38.9% 40.4% 40.3% 34.9% 34.9% 35.7% 36.0% 36.3% 37.2% 36.4% 37.8% Dec-19 Dec-20 BOG Dec-21 Mar-22 Dec-19 Dec-20 Dec-21 Mar-22 Peer bank BOG Peer bank MARKET SHARE - LOANS TO INDIVIDUALS MARKET SHARE - DEPOSITS OF INDIVIDUALS 40.0% 40.3% 40.3% 40.3% 41.2% 39.4% 39.0% 39.1% 39.5% 38.8% 37.9% 40.3% 39.6% 37.7% 38.6% 38.6% Dec-19 Dec-20 Dec-21 Mar-22 Dec-19 Dec-20 Dec-21 Mar-22 -BOG Peer bank BOG Peer bank Market data based on standalone accounts as published by the National Bank of Georgia 30

View entire presentation