Investor Presentaiton

Our retail customers have become more digital and engaged Figures given for JSC Bank of Georgia standalone Monthly active users (Retail) thousands Digital engagement of active customers 75.0% 1,809 1,632 1,671 1,698 1,739 71.9% 72.6% +10.8% y-o-y 70.3% 68.7% 1,357 1,121 1,174 1,221 1,263 +21.0% y-o-y 50.9% 47.6% 46.9% 47.7% 46.8% 691 533 551 582 592 +29.5% y-o-y Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 MAU Digital MAU Digital DAU Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Digital MAU/MAU Digital DAU/Digital MAU 17

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