Investor Presentaiton

RETAIL BANKING HIGHLIGHTS Data as at 31 December 2019 for JSC Bank of Georgia standalone 1 BANK OF GEORGIA EXPRESS 2 3 BANK OF GEORGIA SOLO Mass Affluent 4 BANK OF GEORGIA BUSINESS MSME Segments Emerging Retail Mass Retail Clients 543 k 1,727 k 55k 221k Loans GEL 279 279 mln GEL 2,321 mln GEL 2,239 min GEL 2,697 mln Deposits GEL315min GEL 2,372 min GEL 2,218 min GEL 808 mln 2019 Profit* GEL 18 mln GEL 133 mln GEL 80 mln GEL 94 mln P/C ratio 3.3 1.7 5.1 1.4 Branches 162 93 12 n/a BANK OF GEORGIA 2019 profit adjusted for GEL 10.1mln one-off employee costs (net of income tax) related to former CEO and executive management termination benefits 24

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