Investor Presentaiton

CAPITAL RATIOS EVOLUTION AND UPDATE ON MINIMUM CAPITAL REQUIREMENTS CAPITAL RATIOS EVOLUTION DURING 1H21 Capital ratios DEC-20 Tier 2 1H21 profit Business growth appreciation GEL facility impact Capital ratios JUN-21 Potential impact of 10% GEL devaluation CET1 capital adequacy ratio 10.4% 2.6% -0.8% 0.3% 12.5% -0.8% Tier I capital adequacy ratio 12.4% 2.6% -0.9% 0.3% 14.4% -0.7% Total capital adequacy ratio 17.6% 2.6% -1.1% 0.2% -0.2% 19.1% -0.6% EXPECTED MINIMUM CAPITAL REQUIREMENTS FOR 2021-2023 Bank of Georgia's ongoing minimum capital adequacy ratios reflecting the full phase-in of Basel III capital requirements, which remain subject to ongoing annual regulatory reviews, are currently expected to be as follows: DEC-21 DEC-22 DEC-23 CET1 capital requirement 11.6% 11.9% 12.2% Tier I capital requirement 13.8% 14.3% 14.7% Total capital requirement 17.9% 17.9% 17.9% 38

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