Banking Sector Financial Highlights

Board of Directors - governance which facilitates sustainable value creation Mel Carvill, Non-Executive Chair Experience: formerly Senior Independent Director of Sanne Group Plc, Head of Corporate Finance and M&A, and Strategic Planning and Chief Risk Officer at the Generali Group and President of PPF Partners. Non- Executive Director at Home Credit N.V., Vice Chair of Aviva-Cofco Life Insurance Company Ltd. Véronique McCarroll, Independent Non-Executive Director Experience: Deputy CEO at Orange Bank S.A.. Formerly Executive Director at Crédit Agricole CIB, Partner at McKinsey & Company, Oliver Wyman and Andersen/ Ernst & Young. Tamaz Georgadze, Independent Non-Executive Director Experience: Executive Director and founder of Raisin GmbH; formerly Partner at McKinsey & Company in Berlin and aide to the President of Georgia. Cecil Quillen, Independent Non-Executive Director Experience: Partner at Linklaters LLP and leader of the firm's U.S. securities practice, with nearly 30 years of experience working on a broad spectrum of securities and finance matters. Officer of the Securities Law Committee of the International Bar Association. Hanna Loikkanen, Senior Independent Non-Executive Director Experience: Non-Executive Director of Finn Fund, of Eastnine AB and of VEF Ltd and Non-Executive Board Member of Caucasus Nature Fund. Formerly worked in senior management roles at Nordea Finance, SEB and East Capital and was CEO of FIM Group. Mariam Megvinetukhutsesi, Independent Non-Executive Director Experience: 20 years of experience in financial services including in banking appointments at the EBRD; formerly Head of Georgia's Investors Council Secretariat and Deputy CEO at TBC Bank. Al Breach, Independent Non-Executive Director Experience: Executive Director and co-founder of Gemsstock Ltd, co- founder and Director of The Browser and Furka Advisors AG, and advisor to East Capital. Formerly a Russia and FSU economist at Goldman Sachs, and Managing Director at Brunswick UBS. Jonathan Muir, Independent Non-Executive Director Experience: CEO of LetterOne Holdings SA and of LetterOne Investment Holdings; formerly Partner at Ernst & Young and CFO and Vice President of Finance and Control of TNK-BP. Archil Gachechiladze, Chief Executive Officer Experience: With the Group since 2009 in various roles including CFO of BGEO Group and CEO of Georgian Global Utilities (previously part of BGEO Group Plc). Formerly held senior positions at EBRD, KPMG Barents, and Lehman Brothers. 33% Female 6 Nationalities 47

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