Investor Presentaiton

Healthy loan portfolio Cost of credit risk ratio All currency data are in GEL m unless otherwise stated Loan portfolio quality NPL coverage 66.4% 72.8% 70.4% 69.1% 69.2% 0.9% 1.0% 0.8% NPL coverage adjusted for the discounted value of collateral 0.8% 0.7% 0.6% 128.9% 128.7% 126.4% 122.1% 117.6% 0.4% 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 472 471 468 443 423 ■ The y-o-y and the q-o-q decrease in cost of credit risk ratio was mainly driven by a reduction in the Retail Banking cost of credit risk on the back of improved unsecured consumer loan book quality 2.7% 2.4% 2.4% 2.4% 2.3% Dec-22 Mar-23 Jun-23 INPLs Sep-23 NPLs to gross loans Dec-23 32

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