Investor Presentaiton

RETAIL BANKING HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change GEL thousands unless otherwise noted 3Q21 3Q20 2Q21 9M21 9M20 y-o-y q-o-q y-o-y Net interest income Net fee and commission income. Net foreign currency gain Net other income 147,155 133,402 10.3% 138,879 6.0% 421,363 366,739 14.9% 46,685 34,973 33.5% 44,504 4.9% 128,813 86,997 48.1% 18,805 14,847 26.7% 10,504 79.0% 40,905 45,620 -10.3% 3,477 4,736 -26.6% 9,792 -64.5% 22,341 10,766 107.5% Operating income 216,122 187,958 15.0% 203,679 6.1% 613,422 510,122 20.3% Salaries and other employee benefits (52,888) (42,697) 23.9% (50,424) 4.9% (145,179) (128,881) 12.6% Administrative expenses (25,846) (18,468) 40.0% (23,585) 9.6% (68,173) (56,807) 20.0% Depreciation, amortisation and impairment (19,925) (15,972) 24.7% (19,371) 2.9% (58,505) (52,029) 12.4% Other operating expenses (435) (552) -21.2% (400) 8.7% (1,516) (1,773) -14.5% Operating expenses (99,094) (77,689) 27.6% (93,780) 5.7% (273,373) (239,490) 14.1% Profit/(loss) from associate 223 Operating income before cost of risk 117,251 Cost of risk (10,587) 214 110,483 (16,061) 4.2% 6.1% (4,299) NMF (3,909) 628 NMF 105,600 11.0% 336,140 271,260 23.9% -34.1% (10,433) 1.5% (52,348) (164,115) -68.1% Net operating income before non-recurring items 106,664 94,422 13.0% 95,167 12.1% 283,792 107,145 NMF Net non-recurring items (338) 219 NMF 211 NMF 30 (40,046) NMF Profit before income tax expense 106,326 94,641 12.3% Income tax expense (10,375) (8,016) 29.4% Profit 95,951 86,625 10.8% 95,378 (8,682) 86,696 11.5% 19.5% 10.7% 283,822 (25,060) 258,762 67,099 NMF (798) NMF 66,301 NMF RB LOANS AND LOAN YIELD RB CLIENT DEPOSITS AND COST OF DEPOSITS 15.0% 12.8% 11.4% 11.2% 2.9% 2.9% 2.6% 2.6% 50.7% 44.1% 45.1% 40.3% 49.3% 2018 75.3% 72.9% 73.1% 71.6% 59.7% 24.7% 27.1% 26.9% 28.4% 2018 2019 2020 Client deposits, GEL 9M21 55.9% 54.9% 2019 2020 9M21 Net loans, FC Net loans, GEL Currency-blended loan yield Client deposits, FC Currency-blended cost of deposits Starting from 3Q21, Wealth Management business has been reclassified from Corporate and Investment Banking to Retail Banking segment. The comparative periods have been restated accordingly 63

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