Banking Sector Financial Highlights

SME Banking - loan and deposit portfolio Loan portfolio +12.8% +13.7% All currency data are in GEL m unless otherwise stated Deposit portfolio +34.6% +36.2% +2.0% +7.2% +1.6% +6.6% 3,919 4,064 4,091 4,336 4,422 Growth on a 1,628 1,745 constant 1,509 1,469 1,793 1,856 1,799 1,909 1,885 currency basis 1,296 673 625 656 595 564 2,127 2,208 2,292 2,427 2,537 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 ■Net loans GEL Net loans FC Loan yield 733 853 874 1,003 1,072 Sep-22 Dec-22 Mar-23 ■Client deposits and notes GEL Cost of deposits Jun-23 Sep-23 ■Client deposits and notes FC 13.5% 13.7% 13.9% 13.9% 13.8% 13.9% 13.4% 3.1% 3.3% 3.0% 2.5% 2.5% 2.6% 2.4% 11.3% 10.2% 10.5% 11.4% 11.0% 11.4% 9.8% 1.7% 1.9% 1.6% 1.3% 1.0% 1.0% 1.0% 8.2% 8.2% 7.4% 8.0% 6.5% 6.7% 6.3% -0.6% -0.5% -0.4% -0.5% -0.5% -0.9% -1.0% 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 Loan yield Loan yield (GEL) Loan yield (FC) Cost of deposits Cost of deposits (GEL) Cost of deposits (FC) 42 The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part of which are included in the calculation of the cost of deposits

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