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Investor Presentaiton

Private early stage portfolio Hospitality and commercial real estate business overview (cont'd) GEORGIA CAPITAL Key highlights | 31 December 2019 Financial metrics (GEL millions)² GEL millions, unless otherwise noted 31-Dec-19 NAV LTM ROIC1 6.5% 31-Dec-18 Change 246 149 64.7% NO1³ from operating leases NO13 from hospitality services Revaluation gain 16.0% -9.5ppt Total net Operating Income Commercial real estate portfolio 2016 2017 2018 2019 3 3 5 2 28 2 31 42 42 68 129 62222 Change 40.8% -6.1% -21.5% 25 -19.8% +90.3% Gross yield (leased portfolio) Occupancy rate Leased area (sq.m.) Selected operating metrics Hotel rooms pipeline as of 31 December 20194 Target opening 2018 2019 Change Hotel Location Rooms date4 Current Stage Total Cost US$ mln 9.9% 9.5% -0.4ppt Ramada Encore Kazbegi, Tbilisi GUDAURI LODGE Capital city 152 Q1-2018 Operational 12.1 Region 121 Q4-2019 Operational 16.0 90.1% 87.1% -3.0ppt 22,331 34,212 53.2% Ramada Melikishvili, Tbilisi Kempinski, Tbilisi Capital city 125 Q2-2020 Construction 13.5 Capital city 99 Q4-2020 Seti Square in Mestia, Svaneti Region 52 Q1-2021 Ramada Encore FY19 performance Ramada Kutaisi Region 124 Q1-2021 Construction Construction Construction 26.4 4.9 9.4 Kakheti Wine & Spa Region 60 Q2-2022 Construction 12.8 ADR, US$ 62 Occupancy% Shovi, Racha Region 109 Q2-2022 Design 5.6 Mestia, Svaneti Region 140 Q1-2023 Design 11.7 53.7% Telavi Zugdidi Total Region 110 Q4-2022 Design 15.6 Region 130 Q3-2023 Design 13.7 1,222 140.3 RevPAR, US$ 33 (1) ROIC is calculated as NOI divided by aggregate amount of total equity and borrowed funds. (2) Hospitality & Commercial real estate business' functional currency is US dollars. (3) Net operating income. (4) Target opening dates remain subject to adjustment following passing of the design stage. (5) Target return on invested capital is calculated based on average stabilized EBITDA divided by total invested capital. ➤ Targeting to earn on average c.14% US$ dollar ROICS³ from hotels. Page 43
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