Investor Day 2020 Overview and Strategy

* ISS‣ HIGH ESG SCORES AND MORE FOCUS ON ESG GOING FORWARD ENVIRONMENT 3 SOCIAL 2 GOVERNANCE 3 MSCI Bank of Georgia falls into the highest scoring range relative to global peers CCC B LAGGARD BB BBB A AA AAA AVERAGE LEADER INCLUDED IN THE GLOBAL RESPONSIBLE INVESTMENT INDEX FTSE4GOOD SINCE 2017 * ISS uses 1-10 scale. 1 indicates lower governance risk, while 10 indicates higher governance risk versus its index or region. 1 indicates higher E&S disclosure, while 10 indicates lower E&S disclosure. Scores are as of 1 OCT 2020. 13

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