Investor Presentaiton

BNB financial highlights INCOME STATEMENT HIGHLIGHTS Change Change 1922 1Q21 4Q21 GEL thousands, unless otherwise stated Net interest income y-o-y 9-0-9 10,325 8,347 23.7% 12,277 -15.9% Net fee and commission income 1,054 1,570 -32.9% 769 37.1% Net foreign currency gain 11,960 3,546 237.3% 3,473 244.4% Net other income (3,225) (237) NMF 930 NMF Operating income 20,114 13,226 52.1% 17,449 15.3% Operating expenses (12,263) (8,342) 47.0% (12,000) 2.2% Operating income before cost of risk 7,851 4,884 60.7% 5,449 44.1% Cost of risk (26,367) (755) NMF (471) NMF Net non-recurring items (21) Profit before income tax expense (18,537) (66) 4,063 -68.2% (50) -58.0% NMF 4,928 NMF Income tax expense Profit (18,537) (726) 3,337 -100.0% (932) -100.0% NMF 3.996 NMF BALANCE SHEET HIGHLIGHTS Mar-22 Mar-21 GEL thousands, unless otherwise stated Change y-o-y Dec-21 Change 9-0-9 Cash and cash equivalents 218,316 192,338 13.5% 186,050 17.3% Amounts due from credit institutions 8,764 66,673 -86.9% 8,719 0.5% Investment securities 50,693 94,952 -46.6% 69,794 -27.4% Loans to customers and finance lease receivables 649,218 705,261 -7.9% 662,297 -2.0% Other assets 44,484 50,418 -11.8% 54,060 -17.7% Total assets 971,475 1,109,642 -12.5% 980,920 -1.0% Client deposits and notes 556,649 587,724 -5.3% 516,634 7.7% Amounts owed to credit institutions 301,572 347,018 -13.1% 309,812 -2.7% Debt securities issued 7,772 20,761 -62.6% 7,327 6.1% Other liabilities Total liabilities Total equity Total liabilities and equity 11,171 17,498 -36.2% 12,490 -10.6% 877,164 973,001 -9.8% 846,263 3.7% 94,311 971,475 136,641 1,109,642 -31.0% 134,657 -30.0% -12.5% 980,920 -1.0% 65

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