Investor Presentaiton

Corporate Banking - loan and deposit portfolio Loan portfolio Deposit portfolio All currency data are in GEL m unless otherwise stated +31.2% +8.9% +9.0% +30.5% +14.1% -29.2% -29.4% +12.6% Growth on a 7,419 6,464 5,932 4,926 5,506 5,664 4,925 constant 5,334 1,755 4,825 5,256 currency 1,581 basis 1,707 1,521 4,749 1,803 3,974 4,146 3,604 3,644 5,664 3,627 4,351 3,735 3,021 1,322 1,281 1,532 1,519 1,714 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Loan yield ■Net loans GEL ■Net loans FC ■Client deposits and notes GEL Cost of deposits ■Client deposits and notes FC 14.8% 15.4% 9.7% 9.9% 10.2% 9.6% 9.5% 9.8% 11.2% 14.8% 14.5% 14.3% 11.5% 11.8% 11.6% 9.4% 14.7% 14.7% 7.5% 7.3% 7.2% 7.2% 11.5% 6.7% 6.2% 6.2% 10.2% 9.3% 10.3% 10.8% 10.7% 9.7% 10.3% 8.6% 7.7% -0.2% 0.1% 0.0% 0.2% 0.6% -0.1% 0.3% 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 Loan yield Loan yield (GEL) Loan yield (FC) Cost of deposits Cost of deposits (GEL) Cost of deposits (FC) 43 The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part of which are included in the calculation of the cost of deposits.

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