Investor Presentaiton

RETAIL BANKING LOAN YIELD, COST OF DEPOSITS & NIM RETAIL BANKING LOAN YIELD I QUARTERLY 34 RETAIL BANKING COST OF DEPOSITS I QUARTERLY 5.2% 5.1% 5.7% 19.3% 16.7% 15.7% 13.6% 12.4% 11.8% 2.7% 2.5% 2.6% 7.7% 6.8% 6.8% 1.6% 1.4% 1.3% 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 RETAIL BANKING NIMI QUARTERLY 6.6% 5.7% 4.9% 1Q19 4Q19 1Q20

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