Banking Sector Financial Highlights

Strong underlying performance Operating income* +22.0% +32.2% -3.7% 1,873 All currency data are in GEL m unless otherwise stated Net non-interest income* -3.9% 667 250 642 585 564 1,417 685 231 1 27 527 192 271 222 250 192 569 231 1,188 372 396 420 335 848 295 3Q22 4Q22 1Q23 2Q23 3Q23 271 +20.4% -18.0% 222 32 569 82 685 96 96 98 268 125 151 71 341 100 112 119 320 98 89 220 80 9M22 9M23 3Q22 4Q22 1Q23 2Q23 3Q23 | Net interest income Net non-interest income 9M22 9M23 Net fee and commission income Net foreign currency gain Net other income *4Q22 figures adjusted for a one-off GEL 391.1m other income related to the settlement of an outstanding legacy claim, and 2Q23 and 9M23 figures were adjusted for a one-off GEL 21.1m other income, related to the settlement of an outstanding legacy claim 27

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