Tracking Georgia's Economic Recovery

RETAIL BANKING LOAN YIELD, COST OF DEPOSITS AND NIM RETAIL BANKING LOAN YIELD I QUARTERLY 12.8% 11.1% 11.7% 17.0% 14.9% 15.8% 7.5% 6.6% 6.7% RETAIL BANKING LOAN YIELD I NINE MONTHS 13.1% 11.5% 17.9% 15.5% 7.5% 6.7% Loan Yield ■ 3Q19 Loan yield, GEL 2Q20 Loan yield, FC ■ 3Q20 Loan Yield Loan yield, GEL 9M19 9M20 Loan yield, FC RETAIL BANKING COST OF DEPOSITS I QUARTERLY RETAIL BANKING COST OF DEPOSITS I NINE MONTHS 6.1% 34 6.4% 6.3% 5.1% 5.0% 2.6% 2.9% 3.1% 2.7% 2.9% 1.5% 1.4% 1.5% 1.6% 1.4% Cost of deposits Cost of deposits, GEL Cost of deposits, FC 3Q19 2Q20 ■3Q20 Cost of deposits Cost of deposits, GEL 9M19 9M20 Cost of deposits, FC RETAIL BANKING NIMI QUARTERLY 6.1% 4.0% 4.8% 3Q19 2Q20 3Q20 RETAIL BANKING NIMI NINE MONTHS 6.3% 4.6% 9M19 9M20

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