Retail Banking Financial Update

STRONG UNDERLYING PERFORMANCE AMID COVID-19 IMPACT • OPERATING INCOME GEL MILLIONS 1,110 -3.0% +8.5% -1.8% • NET NON-INTEREST INCOME GEL MILLIONS 1,091 -3.7% 321 29% 313 29% +35.7% -2.4% 321 313 21 48 119 99 309 277 300 789 71% 778 71% 102 98 73 102 33% 73 26% 98 33% 207 67% 204 74% 202 67% 18 8 25 37 19 47 46 827 180 166 | 26 47 4Q19 3Q20 4Q20 2019 2020 4Q19 3Q20 4Q20 2019 2020 ■Net fee and commission income Net foreign currency gain ■Net interest income ■Net non-interest income ■Net other income 32

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