Banking Sector Financial Highlights

Retail Banking - loan and deposit portfolio Loan portfolio +13.2% +13.8% All currency data are in GEL m unless otherwise stated Deposit portfolio +15.8% +18.9% +4.2% +4.2% +3.9% +3.1% 7,122 7,305 7,392 7,735 8,059 Growth on a constant 10,133 10,924 10,663 11,255 11,729 1,972 1,998 1,883 1,913 1,902 currency basis 7,567 8,060 7,613 7,854 8,066 5,150 5,307 5,508 5,823 6,157 2,565 2,864 3,049 3,401 3,663 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Loan yield Net loans GEL ■Net loans FC ■Client deposits and notes GEL Cost of deposits 17.2% 16.7% 16.9% 16.7% 16.5% 17.1% 8.6% 16.7% 8.1% 14.0% 13.9% 14.3% 14.3% 14.0% 6.7% 7.0% 6.3% 5.9% ■Client deposits and notes FC 8.2% 8.3% 8.1% 8.6% 8.2% 13.7% 14.2% 6.2% 6.6% 5.8% 2.6% 2.5% 2.7% 2.9% 3.0% 2.7% 2.9% 0.5% 0.6% 0.7% 0.7% 0.8% 0.6% 0.7% 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 Loan yield Loan yield (GEL) Loan yield (FC) 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 -Cost of deposits Cost of deposits (GEL) Cost of deposits (FC) 41 In the first quarter of 2023 we split the SME Banking segment from Retail Banking and transferred the majority of the Micro portfolio, where customers had business-related needs, to SME Banking. The remaining Micro portfolio has been transferred to Mass Retail. The comparative figures have been restated accordingly to reflect this change

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