Investor Presentaiton

BNB FINANCIAL HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change 4Q21 4Q20 3Q21 2021 2020 GEL thousands, unless otherwise noted y-o-y 9-0-9 y-o-y Net interest income. 12,277 8,888 38.1% 9,300 32.0% 39,676 36,249 9.5% Net fee and commission income 769 1,268 -39.4% 1,515 -49.2% 5,476 5,678 -3.6% Net foreign currency gain 3,473 1,963 76.9% 3,293 5.5% 13,341 6,202 115.1% Net other income 930 1,240 -25.0% 496 87.5% 1,242 1,812 -31.5% Operating income 17,449 13,359 30.6% 14,604 19.5% 59,735 49,941 19.6% Operating expenses (12,000) (8,334) 44.0% (9,676) 24.0% (39,675) (32,950) 20.4% Operating income before cost of risk 5,449 5,025 8.4% 4,928 10.6% 20,060 16,991 18.1% Cost of risk (471) 2,819 NMF (1,560) -69.8% (1,723) (3,981) -56.7% Net non-recurring items (50) (128) -60.9% (138) -63.8% (532) (125) NMF Profit before income tax expense Income tax expense Profit 4,928 7,716 -36.1% 3,230 52.6% 17,805 12,885 38.2% (932) (1,768) -47.3% (515) 81.0% (3,395) (2,734) 24.2% 3,996 5,948 -32.8% 2,715 47.2% 14,410 10,151 42.0% BALANCE SHEET HIGHLIGHTS Change Change Dec-21 Dec-20 Sep-21 GEL thousands, unless otherwise noted y-o-y 9-0-9 Cash and cash equivalents 186,050 163,193 14.0% 146,716 26.8% Amounts due from credit institutions 8,719 20,042 -56.5% 9,245 -5.7% Investment securities 69,794 94,459 -26.1% 85,399 -18.3% Loans to customers and finance lease receivables 662,297 698,542 -5.2% 657,568 0.7% Other assets 54,060 42,416 27.5% 51,087 5.8% Total assets 980,920 1,018,652 -3.7% 950,015 3.3% Client deposits and notes 516,634 589,152 -12.3% 465,203 11.1% Amounts owed to credit institutions 309,812 234,641 32.0% 326,715 -5.2% Debt securities issued 7,327 34,067 -78.5% 7,195 1.8% Other liabilities Total liabilities Total equity Total liabilities and equity 12,490 28,237 -55.8% 12,944 -3.5% 846,263 886,097 -4.5% 812,057 4.2% 134,657 980,920 132,555 1.6% 137,958 -2.4% 1,018,652 -3.7% 950,015 3.3% 83

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