Investor Presentaiton

CIB LOAN BOOK AND DEPOSITS HIGHLIGHTS Leading corporate bank in Georgia Integrated client coverage in key major sectors of the Georgian economy 3,281 corporate customers served by dedicated relationship bankers at 30 June 2021 GROSS LOAN BOOK BY SECTOR | JUN-21 Mining & quarrying Health & social work 2.3% Top 10 CIB borrowers - 27.1% of CIB loan book 3.6% Financial intermediation 3.2% Other Manufacturing 15.5% 19.9% Construction 1.7% Trade 8.9% Real estate 17.2% Transport & Communication Hospitality 14.4% Service 3.8% 1.6% Electricity, gas &. water supply 7.9% Top 20 CIB borrowers - 37.2% of CIB loan book DEPOSITS BY CATEGORY | JUN-21 Time Current accounts deposits, 50.0% and demand deposits, 50.0% DEPOSITS BY CURRENCY | JUN-21 Client deposits, FC, 43.9% Client deposits, GEL, 56.1% 70

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