Bank of Georgia Financial Snapshot and Loan Portfolio Quality

Robust bottom-line growth and profitability Profit (adjusted)* +40.6% +28.6% +33.5% ROE* All currency data are in GEL m unless otherwise stated 689 32.8% 33.7% 34.6% 31.8% 32.4% 31.3% 516 27.9% 387 326 275 290 301 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 Profit (reported) 275 290 +37.6% ROA* +48.3% +35.6% 638 5.6% 5.0% 710 4.5% 4.7% 4.4% 4.4% 4.3% 516 409 301 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 *4Q22 figures adjusted for a one-off GEL 391.1m other income and 2Q23 and 1H23 figures were adjusted for a one-off GEL 21.1m other income, related to the settlement of an outstanding legacy claim 32

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