Bank of Georgia Financial Overview

Strong capital position at Bank of Georgia Evolution of capital ratios during 2Q23 Figures given for JSC Bank of Georgia standalone 31 March 2Q23 2023 profit Business Currency Capital growth impact distribution Capital facility impact 30 June 2023 Minimum requirement (30 June 2023) Potential impact of a 10% GEL devaluation CET1 capital adequacy ratio 19.5% 1.9% -0.4% -0.2% -2.1% 0.0% 18.7% 14.6% -0.9% Tier1 capital adequacy ratio 21.4% 1.9% -0.4% -0.2% -2.1% 0.0% 20.6% 16.9% -0.8% Total capital adequacy ratio 23.3% 1.9% -0.4% -0.2% -2.1% 0.0% 22.6% 19.8% -0.7% Risk-weighted assets 19,629 20,104 Mar-23 Jun-23 In January 2023, the NBG transitioned to IFRS-based accounting The full loading of Basel III capital requirements was completed in March 2023 In March 2023, the Financial Stability Committee (FSC) of the NBG set the cycle-neutral countercyclical capital buffer (base rate) at 1%. A 12-month period has been given to banks to satisfy the requirement from March 2024 33

View entire presentation