Banking Sector Financial Highlights

We are a FTSE-250 company with a diversified institutional investor base Top 10 shareholders* 30 September 2023 Shareholder base by country 30 September 2023 Shareholder name Ownership 1 JSC Georgia Capital** 19.6% 27.9% 2 M&G Investment Management Ltd 5.0% 38.3% 3 BlackRock 5.0% 4 Dimensional Fund Advisors (DFA) 4.3% 5 Vanguard 3.7% 6 JP Morgan Asset Management 3.5% 7 Gemsstock Ltd 2.6% 22.0% 5.2% 8 Van Eck Associates Corporation 2.0% 4.6% 9 Firebird Management LLC 2.0% ■UK and Ireland 2.0% 10 Schroder Investment Management Ltd 1.8% ■ USA ■Scandinavia * Shareholders are grouped based on their parent companies ** Previously, BGEO Group PLC comprised a banking business and an investment business. In 2017 BGEO Group PLC demerged into two separately listed and independently managed public companies - Bank of Georgia Group PLC, the banking business, and Georgia Capital PLC, the investment business. The demerger was completed on 29 May 2018. In 2018 Bank of Georgia Group PLC issued additional 9,784,716 shares to Georgia Capital as part of the demerger. JSC Georgia Capital will exercise its voting rights at the Group's general meetings in accordance with the votes cast by all other Group shareholders as long as JSC Georgia Capital's percentage holding in Bank of Georgia Group PLC is greater than 9.9% ■Luxembourg Unvested and unawarded shares for management and employees ■ Other** ** Includes the 19.6% shareholding of JSC Georgia Capital 46 46

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