3Q20 Financial Performance

STABLE COST OF FUNDING COST OF CUSTOMER FUNDS | QUARTERLY COST OF CUSTOMER FUNDS | NINE MONTHS 2.9% 3.5% 3.8% 3.5% 3.5% 3.0% 3.5% 69.3% 62.9% 63.4% 69.5% 67.5% 69.3% 63.4% 30.7% 37.1% 36.6% 30.5% 32.5% 30.7% 36.6% 3Q19 2Q20 3Q20 2017 2018 2019 9M20 Client deposits and notes, FC Client deposits and notes, GEL Currency-blended cost of client deposits, annualised I Client deposits and notes, FC Client deposits and notes, GEL Currency-blended cost of client deposits and notes COST OF FUNDS | QUARTERLY 4.5% 4.8% 4.7% COST OF FUNDS | NINE MONTHS 4.7% 5.0% 4.8% 4.6% 3Q19 2Q20 3Q20 2017 2018 2019 9M20 22

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