Investor Day 2020 Overview and Strategy

LIQUIDITY COVERAGE RATIO ENSURING ABUNDANT LIQUIDITY After repayment of GEL 500 million bonds in June 147% 137% 133% 135% 126% 121% DEC-19 MAR-20 APR-20 MAY-20 JUN-20 SEP-20 100% minimum - requirement • GEL 500 million local currency bonds due and repaid in June 2020 . Hit by high Lari cost during the first phase of the pandemic • Achieved commitments for US$200 million from IFIs during the first nine months of 2020 • Maintaining high liquidity given COVID-19-related uncertainty 6

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