Retail Banking Financial Update

RETAIL BANKING LOAN YIELD, COST OF DEPOSITS AND NIM RETAIL BANKING LOAN YIELD I QUARTERLY RETAIL BANKING LOAN YIELD I FULL YEAR 17.6% 15.4% 16.7% 15.8% 15.4% 12.9% 11.4% 12.4% 11.7% 11.2% 7.3% 6.5% 6.8% 6.7% 6.0% Loan Yield 4Q19 Loan yield, GEL 3Q20 Loan yield, FC Loan Yield Loan yield, GEL -2019 2020 Loan yield, FC ■4Q20 RETAIL BANKING COST OF DEPOSITS I QUARTERLY RETAIL BANKING COST OF DEPOSITS I FULL YEAR 6.3% 6.0% 6.1% 5.1% 5.1% 3.1% 2.9% 2.5% 1.4% 1.5% 1.5% 2.6% 2.9% 1.5% 1.4% Cost of deposits Cost of deposits, GEL Cost of deposits, FC 4Q19 3Q20 ■4Q20 Cost of deposits Cost of deposits, GEL Cost of deposits, FC 2019 2020 RETAIL BANKING NIM I QUARTERLY 5.7% 4.8% 4.5% RETAIL BANKING NIM I FULL YEAR 6.1% 4.5% 4Q19 3Q20 4Q20 2019 2020 67

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