Investor Presentaiton

GEORGIA'S MOST POPULAR FINANCIAL MOBILE APP MBANK/IBANK STATISTICS* Number of active users THOUSANDS ** +16.4% +4.5% 831 787 795 760 714 Number of transactions MILLIONS +65.0% 9:41 Operations +14.6% Categories 30.2 26.3 20.6 22.2 Payments Transfer to Own Accounts 18.3 Payments 29.1 25.3 19.5 21.2 17.2 1.1 1.1 T 0.9 1.0 1.0 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 3Q20 4Q20 1Q21 2Q21 3Q21 iBank mBank Daily active 41.2% users/monthly active users NEXT STEP: BUILDING THE SUPER APP * Information on this slide depicts the usage of internet and mobile banking platforms by individual customers ** Active user - at least one login in the past three months 9:41 Search Total Available Amount 4,652.230 Visa Gold 2,744.00 0000 PLUS Point 8,744 Deposits and Liabilities Lubines 9.744.00€ VISA M 26,744 Deposts 7,060.000 11 c.9.7min Transactions per month 88.7% Customer Satisfaction Score ANDROID APP ON Google play 4.8 Download on the App Store 4.8

View entire presentation