Bank of Georgia Earnings and Strategy Update

STRONG LIQUIDITY AND FUNDING POSITIONS LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS JSC Bank of Georgia standalone (Basel III liquidity) NET LOANS TO CUSTOMER FUNDS AND DFIs 136.7% 138.6% 137.5% 133.6% 118.4% 132.5% 132.5% 115.5% 115.2% 124.0% 120.1% 103.2% 101.2% 99.6% 100.0% 89.4% Dec-18 Dec-19 Dec-20 Dec-21 Dec-18 Liquidiy coverage ratio Net stable funding ratio Dec-19 Dec-20 Net loans to customer funds Net loans to customer funds and DFIs Excess liquidity maintained for risk mitigation purposes, on the back of the COVID-19 crisis, successfully deployed during the second and third quarters of 2021 Strong support from International Financial Institutions Dec-21 29

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