Investor Presentaiton

GEORGIA'S MOST POPULAR FINANCIAL MOBILE APP MBANK/IBANK STATISTICS* Number of active users** THOUSANDS +21.2% MILLIONS +10.8% Number of transactions +71.9% 9:41 Operations +17.4% Categories 35.4 30.2 921 26.3 Payments Transfer to Own Accounts 22.2 20.6 831 787 795 760 Payments 34.3 29.1 25.3 19.5 21.2 1.1 0.9 1.0 1.0 1.1 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 4Q20 1Q21 2Q21 3Q21 4Q21 iBank mBank Daily active 44.2% users/monthly active users Dec-21 NEXT STEP: BUILDING THE SUPER APP * Information on this slide depicts the usage of internet and mobile banking platforms by individual customers ** Active user - at least one login in the past three months 9:41 Search Total Available Amount 4,652.230 Visa Gold 2,744.00 0000 PLUS Point 8,744 Deposits and Liabilities Lubines 9,744.00€ VISA M 26,744 Deposts 7,060.000 11 c.11.4mln Transactions per month 86.0% Customer Satisfaction Score ANDROID APP ON Google play 4.8 Download on the App Store 4.8

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