Investor Presentaiton

PAYMENTS AS A DAILY TOUCHPOINT WITH CUSTOMERS NUMBER OF PAYMENTS VOLUME OF PAYMENTS TRANSACTIONS TRANSACTIONS AT BOG TERMINALS AT BOG TERMINALS MILLIONS GEL MILLIONS +45.4% +44.8% +54.7% 105 +14.9% 2,985 73 42 1,929 36 29 +70.2% +25.8% 1,270 1,010 746 9M20 9M21 3Q20 2Q21 3Q21 9M20 9M21 3Q20 2Q21 3Q21 51% Share by number of POS payments transactions in BOG's POS terminals | 9M21* +2ppts YoY 49% 15 35k Multifunctional POS terminals +39.2% y-o-y 1.4mln Mass Retail, SOLO and Share by volume of POS payments transactions in BOG's POS terminals | 9M21* WM active customers** +3.6% y-o-y +1ppts YoY * Based on the National Bank of Georgia and Bank of Georgia data ** Active individual customer - an individual, who has used the Bank's any channel at least once, or has performed at least one debit transaction, or has been a payroll customer, or has had at least one active credit product, or has had any type of deposit with above certain threshold balance during last three months

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