Investor Presentaiton

CIB HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change GEL thousands unless otherwise noted 2Q21 2Q20 1Q21 1H21 1H20 y-o-y 9-o-q y-o-y Net interest income Net fee and commission income Net foreign currency gain Net other income 83,427 63,110 32.2% 72,532 15.0% 155,959 132,451 17.7% 11,322 9,197 23.1% 9,655 17.3% 20,977 18,152 15.6% 9,027 11,431 -21.0% 4,521 99.7% 13,548 19,965 -32.1% 18,176 4,825 NMF 15,069 20.6% 33,245 9,506 NMF Operating income 121,952 88,563 37.7% 101,777 19.8% 223,729 180,074 24.2% Salaries and other employee benefits (14,498) (14,170) 2.3% (14,905) -2.7% (29,403) (24,731) 18.9% Administrative expenses (4,978) (3,488) 42.7% (3,503) 42.1% (8,481) (7,954) 6.6% Depreciation, amortisation and impairment (2,020) (2,434) -17.0% (2,492) -18.9% (4,512) (4,907) -8.0% Other operating expenses (166) (227) -26.9% (271) -38.7% (437) (523) -16.4% Operating expenses (21,662) (20,319) 6.6% (21,171) 2.3% (42,833) (38,115) 12.4% Operating income before cost of risk 100,290 68,244 47.0% 80,606 24.4% Cost of risk 23,407 (2,536) NMF (12,066) NMF Net operating income before non-recurring items 123,697 65,708 88.3% 68,540 80.5% 180,896 11,341 192,237 141,959 27.4% (98,438) NMF 43,521 NMF Net non-recurring items (1) 32 NMF (73) -98.6% (74) (1,374) -94.6% Profit before income tax expense 123,696 65,740 88.2% 68,467 80.7% 192,163 42,147 NMF Income tax expense (10,914) (4,246) 157.0% (6,864) 59.0% (17,778) (2,398) NMF Profit 112,782 61,494 83.4% 61,603 83.1% 174,385 39,749 NMF CIB LOAN PORTFOLIO AND LOAN YIELD CIB CLIENT DEPOSITS AND COST OF DEPOSITS 4.1% 4.4% 4.6% 10.2% 9.1% 8.5% 8.6% 3.3% 47.7% 43.9% 61.2% 65.9% 82.3% 81.1% 79.7% 79.3% 52.3% 56.1% 38.8% 34.1% 17.7% 18.9% 2018 2019 20.3% 2020 20.7% 1H21 2018 2019 2020 1H21 Net loans, GEL Currency-blended loan yield Net loans, FC Client deposits, FC Client deposits, GEL Currency-blended cost of deposits 68

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