Tracking Georgia's Economic Recovery

CIB LOAN YIELD, COST OF DEPOSITS AND NIM CIB LOAN YIELD I QUARTERLY 11.5% 12.4% 13.0% CIB LOAN YIELD I NINE MONTHS 11.8% 13.0% 8.9% 8.3% 8.6% 8.4% 7.5% 7.7% 9.1% 8.6% 8.6% 7.7% Loan Yield ■3Q19 Loan yield, GEL 2Q20 Loan yield, FC ■3Q20 CIB COST OF DEPOSITS I QUARTERLY 42 Loan Yield Loan yield, GEL ■9M19 9M20 Loan yield, FC CIB COST OF DEPOSITS I NINE MONTHS 8.1% 7.8% 7.7% 4.2% 4.6% 5.6% 5.7% 3.2% 1.8% 1.7% 1.8% 4.2% 3.4% 1.9% 1.7% Cost of deposits Cost of deposits, GEL Cost of deposits, FC ■3Q19 2Q20 ■3Q20 Cost of deposits Cost of deposits, GEL Cost of deposits, FC ■9M19 9M20 CIB NIMI QUARTERLY 3.2% CIB NIMININE MONTHS 3.4% 3.6% 3.5% 3Q19 2Q20 3Q20 3.7% 9M19 9M20

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