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BNB FINANCIAL HIGHLIGHTS 77 INCOME STATEMENT HIGHLIGHTS Change Change 1Q20 1Q19 4Q19 GEL thousands, unless otherwise stated y-o-y q-o-q Net interest income 9,469 6,585 43.8% 7,194 31.6% Net fee and commission income 1,703 1,812 -6.0% 1,602 6.3% Net foreign currency gain 493 3,955 -87.5% 6,548 -92.5% Net other income 334 147 127.2% 92 NMF Operating income 11,999 12,499 -4.0% 15,436 -22.3% Operating expenses (8,706) (7,847) 10.9% (9,493) -8.3% Operating income before cost of risk 3,293 4,652 -29.2% 5,943 -44.6% Cost of risk (3,422) (1,442) 137.3% (7) NMF Net non-recurring items (10) (50) -80.0% (46) -78.3% Profit before income tax expense (139) 3,160 NMF 5,890 NMF Income tax expense Profit BALANCE SHEET HIGHLIGHTS (32) (571) (171) 2,589 -94.4% NMF (1,261) 4,629 -97.5% NMF Change Mar-20 Mar-19 Dec-19 GEL thousands, unless otherwise stated y-o-y Change 9-0-9 Cash and cash equivalents 150,349 79,497 89.1% 212,777 -29.3% Amounts due from credit institutions 13,141 20,556 -36.1% 12,742 3.1% Investment securities 81,592 116,082 -29.7% 81,573 0.0% Loans to customers and finance lease receivables 671,854 451,665 48.8% 580,876 15.7% Other assets 54,981 54,001 1.8% 55,102 -0.2% Total assets 971,917 721,801 34.7% 943,070 3.1% Client deposits and notes 643,614 425,563 51.2% 608,777 5.7% Amounts owed to credit institutions 143,374 144,314 -0.7% 144,621 -0.9% Debt securities issued 51,063 53,846 -5.2% 69,438 -26.5% Other liabilities Total liabilities Total equity Total liabilities and equity 13,407 9,477 41.5% 11,038 21.5% 851,458 633,200 34.5% 833,874 2.1% 120,459 88,601 36.0% 109,196 10.3% 971,917 721,801 34.7% 943,070 3.1%

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