Banking Sector Financial Highlights

Healthy loan portfolio Cost of credit risk ratio All currency data are in GEL m unless otherwise stated Loan portfolio quality NPL coverage 89.4% 66.4% 72.8% 70.4% 69.1% 1.0% 0.9% 1.0% 0.8% 0.8% NPL coverage adjusted for the discounted value of collateral 0.8% 0.6% 138.0% 128.9% 128.7% 126.4% 122.1% 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 ■ The y-o-y and the q-o-q decrease in cost of credit risk ratio was mainly driven by a reduction in the Retail Banking cost of credit risk on the back of improved unsecured consumer loan book quality 472 471 443 423 398 2.7% 2.4% 2.4% 2.4% 2.4% Sep-22 Dec-22 Mar-23 INPLs Jun-23 NPLs to gross loans Sep-23 32

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