Investor Presentaiton

WELL-DIVERSIFIED LOAN BOOK LOAN PORTFOLIO BREAKDOWN | DEC-21 Gross loans by segment Bank of Georgia standalone Total: GEL 15.8bln CIB loans, GEL 5,220 mln, 33.0% Retail loans, GEL 10,581 mln, 67.0% Retail Banking gross loans by product Total: GEL 10.6bln Corporate and Investment Banking gross loans by sector* Total: GEL 5.2bln Credit. Other cards and General 2.8% overdrafts 1.9% consumer loans 23.8% Mortgage loans 37.6% Micro and SME loans 33.9% Other 29.4% Manufacturing 20.4% Service 4.1% Hospitality 14.9% Real estate Electricity, gas & water supply 7.2% 14.9% Trade 9.1% * Sectors that represent more than 1% of total CIB gross loan portfolio: financial intermediation, mining & quarrying, transport & communication, construction, health & social work Starting from 3Q21, the Wealth Management business has been reclassified from Corporate and Investment Banking to the Retail Banking segment 32

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