Retail Banking Financial Update

STRONG LOAN AND DEPOSIT PORTFOLIO GROWTH O LOAN PORTFOLIO GEL MILLIONS +18.9% 10.2% 14,192 • DEPOSIT PORTFOLIO GEL MILLIONS +39.1% 28.6% 14,020 11,931 9,398 7,741 10,077 8,389 59% 8,134 8,500 61% 6,985 59% 7,078 5,800 62% 6,986 69% 4,773 62% 5,488 67% 4,920 70% 4,946 41% 5,804 41% 5,521 39% 2,969 38% 3,598 38% 2,158 30% 2,646 33% 3,090 31% 2017 2018 2019 2020 2017 2018 2019 2020 Net loans, GEL Net loans, FC ■Client deposits and notes, FC Client deposits and notes, GEL Growth on a constant currency basis 28

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