Investor Presentaiton

RETAIL BANKING LOANS AND DEPOSITS MARKET SHARE-LOANS TO INDIVIDUALS* 38.8% 37.5% 37.7% MARKET SHARE - DEPOSITS OF INDIVIDUALS* 39.0% 40.3% 36.9% 40.3% 40.0% Dec-18 Dec-19 Dec-20 Sep-21 Dec-18 Dec-19 Dec-20 Sep-21 RETAIL BANKING LOANS GEL MILLIONS 8,768 7,488 6,323 +11.7% RETAIL BANKING DEPOSITS GEL MILLIONS 9,791 Dec-18 Dec-19 Dec-20 Sep-21 8,608 7,117 5,607 +6.6% 9,175 Dec-18 Dec-19 Dec-20 Sep-21 * Market shares by loans and deposits of individuals based on standalone accounts of the banks published by the National Bank of Georgia 64

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