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RETAIL BANKING LOAN YIELD, COST OF DEPOSITS AND NIM RETAIL BANKING LOAN YIELD I QUARTERLY RETAIL BANKING LOAN YIELD I NINE MONTHS 15.8% 15.2% 15.3% 11.6% 11.1% 11.4% 15.5% 15.2% 11.5% 11.2% 6.7% 5.9% 5.7% Loan Yield ■3Q20 Loan yield, GEL ■2Q21 Loan yield, FC 3Q21 6.7% 5.9% Loan Yield Loan yield, GEL 9M20 9M21 Loan yield, FC 65 RETAIL BANKING COST OF DEPOSITS I QUARTERLY RETAIL BANKING COST OF DEPOSITS I NINE MONTHS 6.4% 5.9% 6.3% 3.1% 2.6% 2.5% 1.9% 1.4% 1.1% 6.2% 6.0% 2.9% 2.6% 1.8% 1.3% Cost of deposits Cost of deposits, GEL Cost of deposits, FC Cost of deposits Cost of deposits, GEL Cost of deposits, FC 19M20 9M21 ■3Q20 2Q21 ■3Q21 RETAIL BANKING NIM I QUARTERLY 4.4% 4.1% 4.2% RETAIL BANKING NIMI NINE MONTHS 4.2% 4.2% 3Q20 2Q21 3Q21 9M20 9M21

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