Bank of Georgia Earnings and Strategy Update

STRONG CAPITAL ADEQUACY POSITION BOG EQUITY VS. CET1 REG. CAPITAL | DEC-21 GEL MILLIONS RISK-WEIGHTED ASSETS GEL MILLIONS +12.1% % of RWAs 13.2% 1.5% 0.7% 1.5% +4.2% 271 3,040 267 121 2,381 16,040 16,516 16,599 17,248 17,978 2.2% NBG CET1 Loan capital Other provisioning provisioning deductions* methodology methodology difference difference IP BOG equity (IFRS) Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 * Revaluation reserve, investments in non-financial subsidiaries and intangible assets Existing additional capital buffers (c.2.2% of risk-weighted assets) reflect the differences in the provisioning methodology between the NBG and IFRS 9 The NBG plans to transition to IFRS-based financial reporting during 2022 32

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