Retail Banking Financial Update

RETAIL BANKING LOAN YIELD, COST OF DEPOSITS AND NIM CIB LOAN YIELD I QUARTERLY CIB LOAN YIELD I FULL YEAR 12.0% 12.8% 8.6% 7.7% 12.5% 13.0% 12.7% 9.2% 8.6% 8.5% 8.5% 7.7% 7.6% 9.1% 8.6% Loan Yield 4Q19 Loan yield, GEL 3Q20 Loan yield, FC ■4Q20 CIB COST OF DEPOSITS I QUARTERLY 7.8% 7.8% 6.1% 4.6% 4.7% 3.3% Cost of deposits Loan Yield Loan yield, GEL ■2019 Loan yield, FC 2020 CIB COST OF DEPOSITS I FULL YEAR 7.7% 5.8% 4.4% 1.7% 1.8% 1.8% 3.3% 1.8% 1.7% Cost of deposits, GEL Cost of deposits, FC 4Q19 3Q20 ■4Q20 Cost of deposits Cost of deposits, GEL Cost of deposits, FC 2020 2019 CIB NIMI QUARTERLY 3.8% 3.6% 3.3% CIB NIMI FULL YEAR 3.6% 4.7% 4Q19 3Q20 4Q20 2019 2020 73

View entire presentation