Investor Presentaiton

RETAIL BANKING LOAN PORTFOLIO COMPOSITION RETAIL BANKING CLIENT DATA Operating Data, GEL mln Number of total active clients, of which:* Number of active Solo and WM clients Consumer and other loans, volume Consumer and other loans, number Mortgage loans, volume Mortgage loans, number Micro & SME loans, volume Micro & SME loans, number Credit cards and overdrafts, volume Credit cards and overdrafts, number Credit cards, number, of which: MORTGAGE LOANS DOLLARISATION Sep-21 1,530,270 68,466 2,485 540,664 Dec-20 1,485,559 60,578 1,945 431,987 Dec-19 1,439,229 23% 56,021 1,777 472,851 26% 42% 46% 50% 3,850 3,745 3,052 57,698 52,697 46,937 77% 74% 3,482 3,126 2,523 58% 54% 50% 78,427 75,723 81,739 198 199 299,400 303,408 183,773 264,311 108,077 97,318 246 395,135 395,536 99,307 Dec-17 Dec-18 Dec-19 Dec-20 Sep-21 ■Mortgage loans, FC Mortgage loans, GEL American Express cards RETAIL BANKING PORTFOLIO I SEP-21 Gross Loans by products Total: GEL 10.Obln Credit. cards and Other General 2.7% overdrafts 2.0% consumer Mortgage loans loans 22.1% 38.4% Micro and SME loans 34.8% Deposits by currency Total: GEL 9.2bln Client Deposits, GEL 28.4% Client Deposits, FC 71.6% Deposits by category Total: GEL 9.2bln Current accounts & demand Time deposits deposits 57.5% 42.5% 66 * Active individual customer - an individual, who has used the Bank's any channel at least once, or has performed at least one debit transaction, or has been a payroll customer, or has had at least one active credit product, or has had any type of deposit with above certain threshold balance during last three months. Active business customer - a legal entity, who has had at least one active credit product, or has performed at least one debit transaction, or has had any type of deposit with above certain threshold balance (varying for micro, SME, or corporate clients) during last three months

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