Retail Banking Financial Update

RESILIENT LOAN PORTFOLIO QUALITY • COST OF CREDIT RISK RATIO 2.7% 2.2% 1.6% INCREASE IN 2020 DUE TO COVID-19 0.9% 1.8% LOAN PORTFOLIO QUALITY NPL coverage 86.7% 92.7% 90.5% 80.9% 76.3% NPL coverage adjusted for collateral value 132.1% 130.6% 129.9% 139.6% 128.8% 4.2% 3.8% 3.7% 3.3% 2.1% 546 295 301 318 253 2016 2017 2018 2019 2020 Dec-16 Dec-17 Dec-18 Cost of credit risk ratio normalised Cost of credit risk ratio INPLS, GEL millions * Normalised cost of credit risk - 1.2% for RB and 0.8% for CIB Dec-19 Dec-20 NPLs to gross loans 35

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