Investor Presentaiton

Robust underlying performance OPERATING INCOME +47.7% +25.0% 495 +39.5% 891 396 379 338 348 214 639 335 109 124 105 198 107 553 270 271 281 441 228 243 2Q21 3Q21 4Q21 Net interest income 1Q22 2Q22 1H21 1H22 Net non-interest income 25 All currency data are in GEL m unless otherwise stated NET NON-INTEREST INCOME +100.2% +71.9% 214 7 +70.7% 338 8 190 126 198 124 1 107 105 109 51 222 557 9 11 27 64 33 34 41 22 140 57 62 44 64 59 59 81 106 2Q21 3Q21 4Q21 1Q22 2Q22 1H21 1H22 Net fee and commission income Net foreign currency gains Net other income Strong y-o-y top-line results in 2Q22 and 1H22 across revenue lines, and the q-o-q performance particularly robust on net fee and commission income and net foreign currency gain side, reflecting higher client-related volumes on the back on increased tourism and migrant flows and higher spreads due to exchange rate volatility

View entire presentation