Investor Presentaiton

REMITTANCES AND POTENTIAL IN GEORGIAN EMIGRANTS MARKET POTENTIAL c.1.3 mln NUMBER OF RECEIVED REMITTANCES AT BOG THROUGH DIGITAL CHANNELS THOUSANDS 250 42% 44% 50% 38% Georgians living abroad in need of 35% 200 New functionality 40% 32% added in mBank daily banking services in Georgia and iBank 150 US$ 1.9 bin Transferred in 2020 +8.8% y-o-y c.350 k Customers with high potential for loans and deposits* We expect to gain 35%-40% of the potential market share in the medium-term 100 11% 50 3% 4Q19 1Q20 30% 20% 10% 0% 2Q20 3Q20 4Q20 Digital offloading rate 1Q21 2Q21 Received remittances BOG MARKET SHARE IN TOTAL REMITTANCE INFLOWS** 35% 35% 32% 32% COVID-19 pandemic impact 32% 31% 27% * More than three transfers in the last 12 months 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 **Based on the National Bank of Georgia and Bank of Georgia data 14

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