Investor Day 2020 Overview and Strategy

Mass Retail RETAIL BANKING SOLO MSME Gross loans GEL 2.8BLN up 11.6% YoY Deposits GEL 3.2BLN GEL 2.6BLN Gross loans Deposits GEL 2.6BLN Gross loans GEL 3.2BLN Deposits GEL 0.9BLN up 29.3% YoY up 22.0% YoY up 21.9% YoY up 27.7% YoY up 15.6% YoY ROAE 27.5% ROAE 28.9% UPSIDES Georgian emigrants and Premium Mass Retail segment Tailor-made bundled offerings Balance sheet figures as of SEP-20 and ROAE for 3Q20 ROAE 21.5% Next level service model 15

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