Retail Banking Financial Update

CIB LOAN BOOK AND DEPOSITS • MARKET SHARE - LOANS TO LEGAL ENTITIES* • MARKET SHARE - DEPOSITS OF LEGAL ENTITIES* 32.0% 31.0% 28.9% 28.8% Dec-17 Dec-18 Dec-19 Dec-20 • CIB NET LOANS GEL MILLIONS +22.5% 4,662 3,804 2,618 2,260 Dec-17 Dec-18 Dec-19 Dec-20 37.3% 33.1% 30.3% 30.9% Dec-17 Dec-18 Dec-19 Dec-20 CIB NET DEPOSITS GEL MILLIONS 3,825 3,457 3,473 Dec-17 Dec-18 +67.2% 6,395 Dec-19 Dec-20 * Market shares by loans and deposits of legal entities based on standalone accounts of the banks published by the National Bank of Georgia as at 31 December 2020 71

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