Investor Presentaiton

Borrowers and FX risk % is given for Bank of Georgia standalone gross loan portfolios Retail Banking Mortgages FC loans exposed to FX risk (% of segment portfolio) 32.9% FC loans with no or minimal exposure to FX risk (% of segment portfolio) 6.2% 13.2% 4.5% Consumer loans* 2.8% 1.1% MSME 17.0% 0.6% Corporate Banking 37.1% 41.4% Total 34.2% 17.1% *Includes credit cards. Starting from 3Q21, Wealth Management business has been reclassified from Corporate and Investment Banking to Retail Banking. 41

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