Investor Presentaiton

WEALTH MANAGEMENT WEALTH MANAGEMENT . STRONG REGIONAL PRESENCE Israel (2008), UK (2010), Turkey (2013) LONDON TBILISI ISTANBUL TEL AVIV BANK OF GEORGIA WEALTH AUM - GEL 1,522 million, down 10.3% y-o-y, flat q-o-q Diversified funding base: 1,447 from 79 Active customers* countries Active 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 DIVERSIFIED CUSTOMER BASE ACROSS MULTIPLE GEOGRAPHIES Other 16% Israel Georgia 36% 10% UK 2% Europe 20% CIS 16% Addressable market to drive growth covers multiple geographies GROWTH IN AUM GEL MILLIONS -10.3% flat 1,697 1,612 1,659 1,522 1,522 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 68

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