Investor Presentaiton

STRONG LIQUIDITY AND FUNDING POSITIONS LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS JSC Bank of Georgia standalone (Basel III liquidity) 136.7% 138.6% 137.5% 133.6% 132.5% 120.1% Dec-18 Dec-19 Dec-20 NET LOANS TO CUSTOMER FUNDS AND DFIs 118.4% 117.0% 129.7% 115.5% 112.7% 103.2% 101.2% 102.1% 99.6% 89.4% Sep-21 ■Liquidiy coverage ratio ■Net stable funding ratio Dec-18 Dec-19 Dec-20 Sep-21 Net loans to customer funds Net loans to customer funds and DFIs Excess liquidity maintained for risk mitigation purposes, on the back of the COVID-19 crisis, successfully deployed during the second and third quarters of 2021 Strong support from International Financial Institutions 35

View entire presentation