Georgia's Economic Outlook 2020

CIB LOAN YIELD, COST OF DEPOSITS & NIM CIB LOAN YIELD I QUARTERLY CIB COST OF DEPOSITS I QUARTERLY 13.7% 12.5% 7.3% 11.5% 9.1% 9.2% 8.9% 5.9% 6.1% 8.6% 8.5% 7.8% 3.7% 3.5% 3.3% 44 1.9% 1.7% 1.6% Loan Yield Loan yield, GEL Loan yield, FC Cost of deposits Cost of deposits, GEL Cost of deposits, FC 1Q19 4Q19 1Q20 ■1Q19 4Q19 1Q20 CIB NIMI QUARTERLY 3.6% 4.0% 3.8% 1Q19 4Q19 1Q20

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