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Investor Presentaiton

GEL million 25.00 20.00 15.00 10.00 5.00 Listed portfolio BANK OF GEORGIA BANK OF GEORGIA OVERVIEW http://bankofgeorgiagroup.com/ Stock price performance May-18 Jun-18 Jul-18 Aug-18 Sep-18 91-das Retail clients ('000) Digital transactions (million) Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 -20 Aug-20 Sep-20 Selected operating metrics 30-Sep-19 Profits & ROAE Financial metrics (GEL million) GBP 12.20 2015 2016 2017 2018 2019 as of 31-Dec-20 NIM 7.7% 7.4% 7.3% 6.5% 5.6% NPL coverage 83.4% 86.7% 92.7% 90.5% 80.9% Loan portfolio 5,367 6,682 7,741 9,398 11,931 Oct-20 Nov-20 Dec-20 Cost/income² 35.5% 37.7% 37.7% 36.7% 37.8% 30-Sep-20 Change Corporate loans, GEL 4,518.2 million, 34.3% 2,501 2,579 3.1% 132.1 127.7 -3.3% ROAE¹ 21.9% 22.2% 25.2% 26.4 26.1 24.5% 500 20.8% 2015 370 379 296 274 2016 2017 2018 2019 2015 2016 Loan book growth 2017 15.9% 21.4% 2018 2019 GEL 13.2 billion loan portfolio breakdown* | 30 September 2020 Retail loans, 65.7% GEL 8,660.1 million, * Bank of Georgia Standalone. GEORGIA CAPITAL Dividend record³ (GEL million) 27.0% Payout 10% ratio: 15% 30% 36% 33% 34% 32% 30% 30% Total dividend paid for the year Dividend per share 1.6 Dividend per share CAGR (GEL) - 34.3% 2.44 2.55 2.08 1.92 1.68 Georgia Capital PLC | 1. 2019 ROAE is adjusted for termination costs of former CEO and executive management, while 2018 ROAE is adjusted for demerger related expenses, one-off impact of re-measurement of deferred tax balance and termination costs of the former CEO. 2. The full year cost/income ratio adjusted for GEL 12.4 million one-off employee costs (gross of income tax) related to termination benefits of the former executive management. 3. Actual dividend per share information for 2010-2016 years are adjusted for 19.9% Bog share issuance. 1.2 122 124 0.56 98 102 72 80 0.24 51 24 2010 2011 2012 2013 2014 2015 2016 2017 2018 39
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