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Investor Presentaiton

Diversified funding structure * INTEREST-BEARING LIABILITIES 36 All currency data are in GEL m unless otherwise stated BORROWED FUNDS MATURITY PROFILE (US$, million)* 21,419 20,610 455.2 19,875 18,685 18,888 12.9% 10.8% 9.1% 4.7% 9.9% 8.1% 7.6% 6.9% 6.1% 8.1% 10.6% 11.9% 190.6 12.6% 12.6% 11.5% 74.6% 70.6% 70.4% 70.5% 70.5% 264.6 112.4 101.6 82.9 Jun-21 Sep-21 150.6 147.0 41.8 15.1 9.3 3.6 3.6 Dec-21 Mar-22 Jun-22 2022 2023 2024 Bonds 2025 2026 2027 2028 2029 Senior Loans 2030 â– Subordinated loans Borrowings Client deposits and notes Debt securities issued Due to credit institutions Converted at GEL/US$ exchange rate of 2.9289 at 30 June 2022. c.GEL 688 million undrawn long-term facilities attracted from DFIs as at 30 June 2022 Strong long-term funding pipeline to secure resources needed for the next 12 months US$111.1 million Eurobonds due 2023 repurchased
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