Investor Presentaiton

GROUP BALANCE SHEET Change Change GEL thousands, unless otherwise noted Jun-21 Jun-20 Mar-21 y-o-y 9-0-9 Cash and cash equivalents 1,719,058 Amounts due from credit institutions 2,035,487 1,633,755 1,700,075 5.2% 19.7% 2,361,663 2,200,803 -27.2% -7.5% Investment securities 2,149,725 2,113,900 1.7% 2,406,405 -10.7% Loans to customers and finance lease receivables 14,789,371 12,599,092 17.4% 14,601,275 1.3% Accounts receivable and other loans 2,475 4,060 -39.0% 6,051 -59.1% Prepayments 33,903 31,513 7.6% 33,921 -0.1% Inventories Right-of-use assets Investment property Property and equipment Goodwill Intangible assets Income tax assets 10,476 13,901 -24.6% 10,775 -2.8% 81,865 89,758 -8.8% 81,056 1.0% 235,649 212,182 11.1% 246,441 -4.4% 387,014 396,272 -2.3% 385,352 0.4% 33,351 33,351 0.0% 33,351 0.0% 138,341 116,355 18.9% 129,044 7.2% 190 54,595 -99.7% 3,668 -94.8% Other assets Assets held for sale 189,311 45,294 139,945 35.3% 208,135 -9.0% 45,212 0.2% 44,305 2.2% Total assets 21,851,510 19,183,966 13.9% 22,752,245 -4.0% Client deposits and notes 13,944,383 11,583,139 20.4% 14,003,209 -0.4% Amounts owed to credit institutions 3,224,577 3,521,860 -8.4% 4,039,250 -20.2% Debt securities issued 1,515,511 1,561,933 -3.0% 1,653,399 -8.3% Lease liabilities 91,670 96,878 -5.4% 97,488 -6.0% Accruals and deferred income 54,626 37,257 46.6% 59,455 -8.1% Income tax liabilities 74,704 70,171 6.5% 57,541 29.8% Other liabilities 132,678 112,929 17.5% 154,253 -14.0% Total liabilities 19,038,149 16,984,167 12.1% 20,064,595 -5.1% Share capital Additional paid-in capital Treasury shares Other reserves 1,618 511,273 (52) 11,975 1,618 0.0% 1,618 0.0% 500,887 (54) 2.1% -3.7% 532,787 -4.0% (34) 52.9% 25,417 -52.9% 61,857 -80.6% Retained earnings 2,275,882 Total equity attributable to shareholders of the Group 2,800,696 1,662,164 2,190,032 36.9% 2,079,362 9.5% 27.9% 2,675,590 4.7% Non-controlling interests 12,665 9,767 29.7% 12,060 5.0% Total equity 2,813,361 Total liabilities and equity 21,851,510 2,199,799 19,183,966 27.9% 2,687,650 4.7% 13.9% 22,752,245 -4.0% Book value per share 58.86 46.07 27.8% 55.59 5.9% 84

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