Investor Presentaiton

2Q21 KEY RESULTS HIGHLIGHTS Outstanding profitability Strong interest and F&C income generation Resilient loan portfolio quality and high cost efficiencies ROAE Operating income 2Q21 29.4% 2Q21 GEL 335min +39.8% y-o-y +10.3% q-o-q Cost of credit risk 2Q21 -0.6% Strong portfolio growth Loan growth 30 Jun 2021 GEL 14.8bln +17.4% y-o-y * +1.3% q-o-q Strong capital and liquidity positions CET 1 capital 30 Jun 2021 12.5% Minimum requirement 11.1% Net profit 2Q21 Net F&C income Cost to income 2Q21 2Q21 GEL 202min +76.3% y-o-y GEL 57mln 36.4% +45.5% q-o-q +73.9% y-o-y +17.6% q-o-q * Growth on a constant currency basis was 13.7% y-o-y and 5.5% q-o-q ** Growth on a constant currency basis was 17.4% y-o-y and 4.1% q-o-q 25 Deposits growth 30 Jun 2021 GEL 13.9bln Liquidity coverage 30 Jun 2021 124.5% Minimum requirement +20.4% y-o-y -0.4% q-o-q ** ** 100%

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