Bank of Georgia Financial Overview

SME Banking - loan and deposit portfolio Loan portfolio +10.9% +15.8% All currency data are in GEL m unless otherwise stated Deposit portfolio +30.2% +35.4% +6.0% +4.9% +10.8% +9.9% 3,911 3,919 4,064 4,091 4,336 Growth on a constant 1,509 1,628 1,469 1,928 1,793 1,856 1,799 1,909 currency basis 1,250 1,296 625 656 595 579 564 1,983 2,127 2,208 2,292 2,427 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Net loans GEL ■Net loans FC Loan yield 671 733 853 874 1,003 Jun-22 Sep-22 Dec-22 ■Client deposits and notes GEL Cost of deposits Mar-23 Jun-23 ■Client deposits and notes FC 13.6% 13.5% 13.7% 13.9% 13.9% 13.3% 13.9% 3.1% 2.9% 2.5% 2.5% 9.9% 10.2% 10.5% 11.0% 11.4% 2.5% 2.6% 11.2% 2.4% 9.6% 1.7% 1.3% 1.5% 1.0% 1.0% 1.0% 1.1% 8.2% 7.4% 7.8% 6.3% 6.5% 6.7% 6.2% -0.6% -0.6% -0.5% -0.4% -0.5% -0.9% -1.0% 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 Loan yield Loan yield (GEL) Loan yield (FC) Cost of deposits Cost of deposits (GEL) Cost of deposits (FC) 41 The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part of which are included in the calculation of the cost of deposits

View entire presentation