Investor Presentaiton

RETAIL BANKING LOAN PORTFOLIO COMPOSITION RETAIL BANKING CLIENT DATA MORTGAGE LOANS DOLLARISATION Operating Data, GEL mln Number of total Retail clients, of which: Jun-21 Number of Solo clients Consumer and other loans, volume 2,573,729 65,746 2,192 Dec-20 2,616,480 60,330 1,924 Dec-19 Consumer and other loans, number 464,019 431,927 2,540,466 54,542 1,726 472,791 Dec-18 2,440,754 44,292 1,555 566,740 23% 26% 42% 46% 49% Mortgage loans, volume Mortgage loans, number Micro & SME loans, volume 3,771 3,734 55,564 52,665 3,302 3,126 Micro & SME loans, number 76,106 75,723 3,043 46,907 2,523 81,739 2,539 39,007 2,005 77% 74% 58% 54% 51% 68,832 Credit cards and overdrafts, volume 194 198 Credit cards and overdrafts, number 315,212 303,283 245 395,012 290 454,512 Dec-17 Credit cards, number, of which: 190,573 Dec-18 264,311 Dec-19 Dec-20 Jun-21 American Express cards 103,434 97,318 395,536 99,307 547,038 105,899 ■Mortgage loans, FC Mortgage loans, GEL RETAIL BANKING PORTFOLIO I JUN-21 Gross Loans by products Total: GEL 9.5bln Deposits by currency Total: GEL 7.3bln Deposits by category Total: GEL 7.3bln Credit. Other cards and General 2.7% overdrafts 2.0% consumer Mortgage Client Deposits, loans loans GEL 20.5% 39.9% 31.6% Micro and Client Deposits, FC Time deposits Current accounts & demand deposits 39.2% SME loans 68.4% 60.8% 34.9% 66

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