Investor Presentaiton

CAPITAL RATIOS EVOLUTION AND UPDATE ON MINIMUM CAPITAL REQUIREMENTS CAPITAL RATIOS EVOLUTION DURING 9M21 Capital ratios 9M21 profit Business growth GEL appreciation Dividend DEC-20 Tier 2 facility impact Capital ratios SEP-21 Potential impact of 10% GEL devaluation CET1 capital adequacy ratio 10.4% 4.0% -1.6% Tier I capital adequacy ratio 12.4% 4.0% -1.8% 0.4% 0.4% Total capital adequacy ratio 17.6% 4.0% -2.1% 0.3% -0.4% -0.4% -0.4% 12.8% -0.8% 14.6% -0.7% -0.2% 19.2% -0.5% EXPECTED MINIMUM CAPITAL REQUIREMENTS FOR 2021-2023 Bank of Georgia's ongoing minimum capital adequacy ratios reflecting the full phase-in of Basel III capital requirements, which remain subject to ongoing annual regulatory reviews, are currently expected to be as follows: DEC-21 DEC-22 DEC-23 CET1 capital requirement 11.5% 11.9% 12.2% Tier I capital requirement 13.7% 14.2% 14.6% Total capital requirement 17.8% 17.8% 17.8% 38

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