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Investor Presentaiton

Board of Directors - overseeing sustainable value creation Mel Carvill, Independent Non-Executive Chairman Experience: formerly Chief Risk Officer, Head of Corporate Finance and M&A and of Strategic Planning at the Generali Group; President at PPF Partners; Non-Executive Director at Home Credit N.V., at Aviva Companies and at Sanne Group PLC. Hanna Loikkanen, Senior Independent Non-Executive Director Experience: Non-Executive Director of PJSC Rosbank; Non-Executive Director of Finn Fund, Non-Executive Director of VEF Ltd; formerly: Senior Executive at East Capital, FIM Group Russia, Nordea Finance, SEB. Archil Gachechiladze, Chief Executive Officer Experience: with the Group since 2009; originally joined as Deputy CEO, Corporate Banking and has since held various roles including as CFO; formerly: CEO of Georgian Global Utilities (formerly part of BGEO Group PLC). Over 17 years of experience in the financial services. Al Breach, Independent Non-Executive Director Experience: Executive Director and co-founder of Gemsstock Ltd, co- founder of The Browser and Furka Advisors AG, and advisor to East Capital; formerly: Head of Research, Strategist & Economist at UBS Russia and CIS, economist at Goldman Sachs. Tamaz Georgadze, Independent Non-Executive Director Experience: Executive Director and founder of Raisin GmbH (formerly Saving Global GmbH); formerly: Partner at McKinsey & Company in Berlin; aide to the President of Georgia. Jonathan Muir, Independent Non-Executive Director Experience: CEO of LetterOne Holdings SA and of LetterOne Investment Holdings; formerly: CFO and Vice President of Finance and Control of TNK-BP, Partner at Ernst & Young. 59 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 and International Bar Association. Véronique McCarroll, Independent Non-Executive Director Experience: 30 years of experience in financial services; Currently, Head of Strategy for digital banking across Europe at Orange; formerly: Executive Director at Crédit Agricole CIB, Partner at McKinsey & Company, Oliver Wyman and Andersen/ Ernst & Young. Mariam Megvinetukhutsesi, Independent Non-Executive Director Experience: 20 years of experience in financial services; formerly: Head of Georgia's Investors Council Secretariat, Deputy CEO at TBC Bank, banking appointments at the EBRD.
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