3Q20 Financial Performance

RETAIL BANKING | DIGITAL PENETRATION MBANK/IBANK STATISTICS Number of Active Users | '000 Number of transactions (millions) iBank mBank mBank 620 665 714 18.3 საქართველოს ბანკის შობილბანკი შენი 569 მობილური ცხოვრებისთვის 15.000 506 12.8 13.6 14.3 10.8 www.mBank.ge 17.2 9.5 11.5 12.5 13.3 1.3 1.3 1.1 T T 1.0 1.1 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 3Q19 4Q19 1Q20 2Q20 3Q20 DIGITAL VS NON-DIGITAL TRANSACTIONS Number of transactions in millions 15.000.00 85.00 5600 e Transactions breakdown by channel | 9M20 45.6 49.1 44.0 49.4 34.3 ■mBank/iBank 5% 17% 3.2 3.4 2.7 1.4 2.5 Express pay terminals 95.0% share of digital transactions ATMs 3Q19 4Q19 1Q20 2Q20 3Q20 Through digital channels Through tellers Information on this slide depicts the usage of digital and non-digital channels by individual customers Branches 44% Te 37 +14.3% YoY 34% -12.9% YoY

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