3Q20 Financial Performance

BANK OF GEORGIA'S BUSINESS CONTINUITY PLAN The Group has introduced a number of resilience protocols and a comprehensive Business Continuity Plan ("BCP"). BCP focuses on three main pillars: Operating continuity and efficiency (employees, customers and community), capital, and liquidity and funding positions EMPLOYEES Anticipated national lockdown and promptly shifted all of our 2,000+ back office employees to remote work Implemented extensive measures in the front office safety Provided transportation to front office employees CUSTOMERS Offered 3-month payment holidays on retail loans Strengthened safety measures in cash vault and ensured uninterrupted cash supply Enabling businesses to adapt operations and switch to digital sales Enabling more retail customers to go digital by launching mBank without data package and removing fees on mBank/iBank transactions for 2 months SUPPORTING PUBLIC HEALTH Financed and donated 20,000 PCR tests, 10 respirators, 50,000 face. masks and 60,000 gloves to the Ministry of Health of Georgia Implemented maximum measures in our branches safety 7 CAPITAL ADEQUACY Upfront provision of c.GEL 400 million for the full economic cycle Strong internal capital generation Strengthening capital position through Tier 2 instruments: The Bank drew-down a $55 million second tranche of a Tier 2 capital instrument initially arranged in December 2019 Dividends: Dividends will be resumed once the released capital buffers are rebuilt IQUIDITY AND FUNDING Strong liquidity and funding positions even following the repayment of GEL 500 million local currency bonds due in June 2020 Strong support from IFIs: The Bank achieved commitments for US$200 million from IFIs during the first nine months of 2020 Maintaining high liquidity given COVID-19-related uncertainty

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