Investor Presentaiton

PASHA Group Banks PASHA BANK AZERBAIJAN in USD M Loans to Customers Assets Equity P&L ROAE PASHA BANK GEORGIA in USD M Loans to Customers Assets Equity P&L ROAE 2018 790 2.770 265 45 17% KAPITAL BANK AZERBAIJAN 2018 in USD M Loans to Customers 829 Assets 2.237 Equity 270 P&L ROAE 89 36% 2018 PASHA BANK TURKEY 2018 in USD M 44 Loans to Customers 159 122 Assets 256 41 Equity 96 1 3% P&L ROAE -1 n.a. Financial Institutions & Investor Relations 12

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