Bank of Georgia Financial Overview

Increase in NIM driven by higher loan yield and lower cost of funds Net interest margin 6.6% 6.4% 5.7% 5.3% 5.3% 5.3% Loan yield, cost of funds, cost of deposits 12.5% 12.7% 12.6% 11.4% 11.6% 12.0% 11.3% 6.5% 5.2% 4.9% 5.1% 4.6% 4.5% 4.8% 4.6% 4.1% 3.7% 3.6% 3.4% 3.6% 3.7% 3.8% 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 Loan yield Cost of funds Cost of client deposits and notes 30

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