Investor Presentaiton

WELL-ESTABLISHED FUNDING STRUCTURE | JUN-21 INTEREST BEARING LIABILITIES Interest Bearing Liabilities GEL 18.7bln Debt Borrowings securities 12.6% Current issued 8.1% accounts Other amounts owed to Cl 4.7% Client deposits & & demand deposits, 43.6% notes 74.6% Time deposits, 56.4% BORROWED FUNDS MATURITY BREAKDOWN* US$ MILLIONS 481 1.7% 1.3% 7.0% 2.3% 1.9% 0.3% 0.2% 366 0.9% 0.1% 117 90 115 135 76 64 59 0.0% 159 14 7 24 T 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 I Senior Loans Subordinated Loans Eurobonds % of Total assets * converted at GEL/US$ exchange rate of 3.1603 at 30 June 2021 WELL DIVERSIFIED INTERNATIONAL BORROWINGS Other debt Others European Investment Bank European Bank GEL femtion and Devement IFC EFSE Black EUROPEAN FUND FOR SOUTHEAST EUROPE Sea Trade & Development Bank FMO Finance for Development securities, borrowings, GEL 245min, 6.3% 423mln, DFIs, 10.9% GEL Eurobonds, GEL 1,271mln, 32.9% 1,927mln, 49.9% STRONG SUPPORT FROM IFIS ■ C.GEL 225 million undrawn long-term facilities attracted from DFIs at 30 June 2021 with up to five years of maturity Strong long-term funding pipeline to secure resources needed for the next 12 months Liquidity management: US$27.8 million Eurobonds due 2023 repurchased since July 2020 36

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