Investor Presentaiton

GEORGIA'S MOST POPULAR FINANCIAL MOBILE APP MBANK/IBANK STATISTICS* ** Number of active users* THOUSANDS +19.3% +1.0% 795 787 760 714 665 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 40.2% Daily active users/monthly active users Number of transactions MILLIONS +84.0% 9:41 Operations +18.8% Categories 26.3 22.2 20.6 18.3 14.3 Payments Payments 25.3 19.5 21.2 17.2 13.3 1.0 1.1 1.1 T 0.9 T T 1.0 2Q20 3Q20 4Q20 1Q21 2Q21 iBank mBank 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 Transfer to Own Accounts 9:41 Search Total Available Amount 4,652.230 Visa Gold 2,744.00 0000 PLUS Point 8,744 Deposits and Liabilities Lublines 9.744.000 VISA M 26,744 Deposts 7,060.000 11 c.8.5min Transactions per month 86.3% Customer Satisfaction Score ANDROID APP ON Google play 4.7 Download on the App Store 4.7

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