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BNB FINANCIAL HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change 3Q21 3Q20 2Q21 9M21 9M20 GEL thousands, unless otherwise noted y-o-y 9-0-9 y-o-y Net interest income 9,300 8,735 6.5% 9,752 -4.6% 27,399 27,361 0.1% Net fee and commission income 1,515 1,220 24.2% 1,622 -6.6% 4,707 4,410 6.7% Net foreign currency gain/(loss) 3,293 (42) NMF 3,029 8.7% 9,868 4,238 132.8% Net other income/ (expense) Operating income 496 (110) NMF 53 NMF 313 573 -45.4% 14,604 9,803 49.0% 14,456 1.0% 42,287 36,582 15.6% Operating expenses (9,676) (7,812) 23.9% (9,656) 0.2% (27,675) (24,616) 12.4% Operating income before cost of risk 4,928 1,991 147.5% 4,800 2.7% 14,612 11,966 22.1% Cost of risk (1,560) (1,449) 7.7% 1,061 NMF (1,254) (6,799) -81.6% Net non-recurring items (138) 36 NMF (277) -50.2% (481) 2 NMF Profit before income tax 3,230 578 NMF 5,584 -42.2% 12,877 5,169 149.1% Income tax (expense) / benefit (515) 76 NMF (1,222) -57.9% (2,463) (966) 155.0% Profit 2,715 654 NMF 4,362 -37.8% 10,414 4,203 147.8% BALANCE SHEET HIGHLIGHTS Change Change Sep-21 Sep-20 Jun-21 GEL thousands, unless otherwise noted y-o-y 9-0-9 Cash and cash equivalents 146,716 155,782 -5.8% 122,271 20.0% Amounts due from credit institutions 9,245 14,614 -36.7% 56,967 -83.8% Investment securities 85,399 74,936 14.0% 95,899 -10.9% Loans to customers and finance lease receivables 657,568 702,231 -6.4% 657,473 0.0% Other assets 51,087 47,394 7.8% 45,624 12.0% Total assets 950,015 994,957 -4.5% 978,234 -2.9% Client deposits and notes 465,203 596,360 -22.0% 493,355 -5.7% Amounts owed to credit institutions 326,715 209,535 55.9% 329,063 -0.7% Debt securities issued 7,195 49,214 -85.4% 6,583 9.3% Other liabilities Total liabilities Total equity Total liabilities and equity 12,944 22,188 -41.7% 15,696 -17.5% 812,057 877,297 -7.4% 844,697 -3.9% 137,958 117,660 17.3% 133,537 3.3% 950,015 994,957 -4.5% 978,234 -2.9% 84

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