Investor Presentaiton

RETAIL BANKING HIGHLIGHTS Segments 1 2 BANK OF GEORGIA Mass Retail SOLO Premium Banking (SOLO & WM*) 4 BANK OF GEORGIA BUSINESS MSME Active clients** 1,500 k 72k 64k Loans GEL 3,592 mln GEL 3,034 min GEL 3,955 mln Deposits GEL3,887 mln GEL 4,518 mln GEL 1,153 mln Branches 194 16 1 At 31 December 2021 for JSC Bank of Georgia standalone Starting from 3Q21, the Wealth Management business has been reclassified from Corporate and Investment Banking to the Retail Banking segment, under SOLO - Premium Banking. The comparative periods have been restated accordingly ** Active individual customer - an individual who used the Bank's any channel at least once, or performed at least one debit transaction, or was a payroll customer, or had at least one active credit product, or had any type of deposit with a balance above a certain threshold during the last three months. Active business customer - a legal entity that had at least one active credit product, or performed at least one debit transaction, or had any type of deposit with a balance above a certain threshold (varying for micro, SME, or corporate clients) during the last three months 61

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