Retail Banking Financial Update

GROUP BALANCE SHEET Change Change GEL thousands, unless otherwise noted Cash and cash equivalents Dec-20 Dec-19 Sep-20 y-o-y 9-0-9 1,970,955 2,153,624 -8.5% 2,154,224 -8.5% Amounts due from credit institutions 2,016,005 1,619,072 24.5% 1,980,195 1.8% Investment securities 2,544,397 1,786,804 42.4% 2,205,244 15.4% Loans to customers and finance lease receivables 14,192,078 11,931,262 18.9% 13,627,144 4.1% Accounts receivable and other loans 2,420 3,489 -30.6% 4,935 -51.0% Prepayments 27,593 42,632 -35.3% 32,021 -13.8% Inventories Right-of-use assets Investment property Property and equipment Goodwill Intangible assets Income tax assets 10,340 12,297 -15.9% 11,406 -9.3% 83,208 96,095 -13.4% 85,859 -3.1% 231,241 225,073 2.7% 221,517 4.4% 387,851 379,788 2.1% 390,401 -0.7% 33,351 33,351 0.0% 33,351 0.0% 125,806 22,033 106,290 18.4% 117,941 6.7% 282 NMF 40,484 -45.6% Other assets 325,994 143,154 127.7% 216,159 50.8% Assets held for sale 62,648 36,284 72.7% 46,072 36.0% Total assets 22,035,920 18,569,497 18.7% 21,166,953 4.1% Client deposits and notes 14,020,209 10,076,735 39.1% 12,985,039 8.0% Amounts owed to credit institutions 3,335,966 3,934,123 -15.2% 3,757,646 -11.2% Debt securities issued 1,585,545 2,120,064 -25.2% 1,628,188 -2.6% Lease liabilities 95,635 94,616 1.1% 98,522 -2.9% Accruals and deferred income 53,894 52,471 2.7% 43,474 24.0% Income tax liabilities 62,434 37,918 64.7% 70,854 -11.9% Other liabilities 332,322 102,662 NMF 212,093 56.7% Total liabilities 19,486,005 16,418,589 18.7% 18,795,816 3.7% Share capital Additional paid-in capital 1,618 526,634 1,618 492,072 0.0% 7.0% 1,618 0.0% 513,407 2.6% Treasury shares (54) (64) -15.6% (54) 0.0% Other reserves 71,227 (7,481) NMF 38,201 86.5% Retained earnings 1,939,122 1,655,256 17.1% Total equity attributable to shareholders of the Group 2,538,547 2,141,401 18.5% 1,807,432 2,360,604 7.3% 7.5% Non-controlling interests 11,368 9,507 19.6% 10,533 7.9% Total equity 2,549,915 Total liabilities and equity 22,035,920 Book value per share 53.41 2,150,908 18,569,497 45.36 18.6% 2,371,137 7.5% 18.7% 21,166,953 4.1% 17.7% 49.67 7.5% 85

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