Investor Presentaiton

PAYMENTS AS A DAILY TOUCHPOINT WITH CUSTOMERS NUMBER OF PAYMENT VOLUME OF PAYMENT TRANSACTIONS TRANSACTIONS IN BOG TERMINALS IN BOG TERMINALS MILLIONS +50.2% GEL MILLIONS +62.9% +63.7% +7.0% 4,371 150 100 45 42 2,671 27 +86.9% +9.1% 1,386 1,270 742 2020 2021 4Q20 3Q21 4Q21 2020 2021 4Q20 3Q21 4Q21 51% Share by number of POS payment transactions in BOG's POS terminals | 2021* +3ppts YoY 49% Share by volume of POS payment transactions in BOG's POS terminals | 2021* +2ppts YoY *Based on the National Bank of Georgia and Bank of Georgia data ** 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 15 c.39k Multifunctional POS terminals +41.7% y-o-y

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