Georgia Capital Portfolio Overview slide image

Georgia Capital Portfolio Overview

Private late stage portfolio Housing development business overview Investment rationale " " " Shortage of housing from Soviet era combined with Georgian tradition of multi generations living under one roof, average household size is significantly higher at 3.5 compared to Eastern or Western Europe Most of the housing stock dates back to Soviet era and is amortised In line with the economic growth, urbanization level is expected to increase from current low level Value creation potential Asset light strategy " Unlock land value by developing housing projects " " Development of third-party land - franchise m² brand name. Undisputed market leading platform of 2,500 apartments¹ to be delivered in 4-5 years Earn Construction management fees from third-party projects and bring construction works in-house Financial metrics (GEL millions)² უძრავი ქონეგა REAL ESTATE GEORGIA CAPITAL Key highlights | 30 June 2019 30-Jun-19 GEL millions, unless otherwise noted 31-Dec-18 Change Enterprise value 200 174 14.9% Net debt 139 107 29.9% Equity fair value In-kind dividends (lifetime) Market opportunity 61 67 -8.9% 101 83 +21.7% Annual 2015 2016 2017 2018 1H18 Apartments sales revenue 45 96 92 95 52.4 Semiannually 1H19 16.6 Average household size and home ownership, latest available data Change Construction revenue 36 7.5 21.6 EBITDA 18 11 28 15 8.8 (2.1) -68.3% NMF NMF 58% 57% 54% 60% 54% 75% 71% 75% 69% 68% 92% 91% 90% 84% 97% 83% 85% 90% 82% 69% (1) (2) Digomi residential project update Construction permit received on the largest ever in-house project at the end of June 2019 expected to drive cash flow generation in 2H19 Revenue recognition from Digomi project will start from 1 July 2019. No revenue recognized in 1H19 As of 14 August 2019 3.5 2.8 2.8 2.8 2.6 2.4 2.3 2.3 2.2 2.2 Sq.m. of apartments sold 6,430 Georgia Croatia Slovakia Poland Romania Bulgaria Hungary EU Estonia Lithuania Sq.m. sold as % of total available space 29% 6.5 Average Household Size Source: Eurostat, TBC Capital Home Ownership Urbanization Level Sales value $ million 2,500 apartments relate to the signed Tbilisi Airport Highway deal. Housing development business' functional currency is US dollars. Page 38
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