FY20 Results and Strategy Overview

1Q18 2Q18 3Q18 4Q18 1Q19 Georgia Capital PLC | Source: National Statistics Office of Georgia, Revenue Service, Galt & Taggart. 21.7% 19.7% 18.4% 18.3% 18.6% +0.2 pp 20.4% 18.3% 18.3% 17.3% 17.0% 16.8% 16.6% THE LABOR MARKET DYNAMICS AFTER FALLING IN 3Q20, THE UNEMPLOYMENT RATE INCREASED AGAIN IN 4Q20 ON THE BACK OF RESTRICTIONS +3.8 pp GEORGIA CAPITAL THE NUMBER OF HIRED EMPLOYEES AND SALARIES DECREASED AGAIN BY THE END OF THE YEAR DUE TO THE LOCKDOWN I Number of hired employees, % y/y --Wages received by hired employees, % y/y Jan-20 Feb-20 Mar-20 Apr-20 -12.9% -8.2% May-20 Jun-20 Jul-20 Aug-20 Sep-20 21.7% 14.1% 11.9% Oct-20 3.0% 1.4% 0.4% Nov-20 60 Dec-20 -6.1% 8.2% 7.9% 1.3%

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