Investor Presentaiton

AGGREGATED CASH BALANCE & NET OPERATING CASH FLOW DEVELOPMENT ACROSS PRIVATE PORTFOLIO TOTAL AGGREGATED NET OPERATING CASH FLOW (GEL MILLION) 50 111 2.7x +23.9% 137 3Q19 3Q20 3Q21 141 GEORGIA CAPITAL TOTAL AGGREGATED CASH BALANCE OF PRIVATE BUSINESSES (GEL MILLION) +76.6% 31-Dec-19 -13.8% 289 31-Dec-20 249 9M19 9M20 9M21 ORGANIC TRANSITION TO REVENUE GROWTH STRATEGY FROM PREVIOUSLY ADOPTED CASH PRESERVATION STRATEGY Record aggregated quarterly net operating cash flows of GEL 137 million, up 23.9% y-o-y in 3Q21 183 392 -0.1% 30-Jun-21 318 +23% 30-Sep-21 392 2.1x GCAP LIQUIDITY AT 30-SEP-21 GEL 415 MILLIO DOWN 6.1% IN 3Q21 (UP 46.0% IN 9M21, REFLECTING US$ 65 MILLION EUROBOND TAP ISSUE IN MARCH 2021) 36

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