Retail Banking Financial Update

HIGH ESG SCORES AND MORE FOCUS ON ESG GOING FORWARD * ISS▷ ENVIRONMENT 3 SOCIAL 2 GOVERNANCE MSCI Bank of Georgia falls into the highest scoring range relative to global peers CCC B BB BBB A AA AAA LAGGARD AVERAGE FTSE4GOOD Index INCLUDED IN THE GLOBAL RESPONSIBLE INVESTMENT INDEX FTSE4GOOD SINCE 2017 LEADER * 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 JAN 2021. 23 23

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