Investor Presentaiton

CIB HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change GEL thousands unless otherwise noted Net interest income 3Q21 3Q20 2Q21 9M21 9M20 y-o-y q-o-q y-o-y 86,825 61,889 40.3% 79,612 9.1% 235,087 181,937 29.2% Net fee and commission income Net foreign currency gain Net other income 14,237 9,271 53.6% 11,041 28.9% 34,694 26,980 28.6% 11,248 4,374 157.2% 8,549 31.6% 23,831 22,725 4.9% 4,982 3,304 50.8% 17,848 -72.1% 37,602 12,596 NMF Operating income 117,292 78,838 48.8% 117,050 0.2% 331,214 244,238 35.6% Salaries and other employee benefits (13,053) (10,818) 20.7% (12,304) 6.1% (38,450) (31,759) 21.1% Administrative expenses (3,948) (4,124) -4.3% (4,348) -9.2% (11,385) (11,194) 1.7% Depreciation, amortisation and impairment (2,296) (2,084) 10.2% (1,746) 31.5% (6,239) (6,433) -3.0% Other operating expenses (136) (193) -29.5% (194) -29.9% (548) (596) -8.1% Operating expenses (19,433) (17,219) 12.9% (18,592) 4.5% (56,622) (49,982) 13.3% Operating income before cost of risk 97,859 61,619 58.8% 98,458 -0.6% 274,592 194,256 41.4% Cost of risk (1,437) 6,568 NMF 23,405 Net operating income before non-recurring items Net non-recurring items 96,422 68,187 41.4% 121,863 (3) (1) NMF Profit before income tax expense 96,419 68,186 41.4% Income tax expense (9,781) (7,111) 37.5% Profit 86,638 61,075 41.9% (1) 121,862 (10,750) 111,112 NMF -20.9% NMF -20.9% -9.0% -22.0% 9,933 (91,652) NMF 284,525 102,604 NMF (77) (1,288) -94.0% 284,448 101,316 NMF (27,226) (8,727) NMF 257,222 92,589 NMF CIB LOAN PORTFOLIO AND LOAN YIELD CIB CLIENT DEPOSITS AND COST OF DEPOSITS 4.9% 5.4% 10.3% 8.6% 9.2% 8.6% 4.5% 3.4% 42.1% 33.4% 35.6% 50.0% 82.0% 80.9% 79.6% 78.6% 57.9% 66.6% 64.4% 50.0% 18.0% 19.1% 2018 2019 20.4% 2020 21.4% 9M21 2018 2019 Net loans, FC 2020 Client deposits, GEL 9M21 Net loans, GEL Currency-blended loan yield Client deposits, FC Currency-blended cost of deposits Starting from 3Q21, Wealth Management business has been reclassified from Corporate and Investment Banking to Retail Banking segment. The comparative periods have been restated accordingly 69

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