Investor Presentaiton

RETAIL BANKING LOANS AND DEPOSITS MARKET SHARE - LOANS TO INDIVIDUALS* 37.5% 38.8% 37.7% MARKET SHARE - DEPOSITS OF INDIVIDUALS* 38.4% 40.3% 36.9% 40.3% 40.3% Dec-18 Dec-19 Dec-20 Jun-21 Dec-18 Dec-19 Dec-20 Jun-21 RETAIL BANKING LOANS GEL MILLIONS 8,735 7,428 6,267 +5.6% RETAIL BANKING DEPOSITS GEL MILLIONS 9,223 Dec-18 Dec-19 Dec-20 Jun-21 7,102 5,713 4,339 +3.3% 7,335 Dec-18 Dec-19 Dec-20 Jun-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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