Investor Presentaiton

Strong liquidity and funding positions LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS JSC Bank of Georgia standalone (Basel III liquidity) 149.3% 140.1% 136.8% 124.5% NET LOANS TO CUSTOMER FUNDS AND DFIs 117.0% 132.5% 129.7% 130.7% 115.2% 112.2% 124.0% 106.1% 116.2% 104.3% 112.7% 102.1% 100.0% 97.9% 93.2% 90.0% Mar-21 Jun-21 Sep-21 Liquidiy coverage ratio Dec-21 Mar-22 Mar-21 Jun-21 ■Net stable funding ratio Sep-21 Dec-21 Net loans to customer funds Net loans to customer funds and DFIs Mar-22 37

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