Investor Presentaiton

GEORGIA CAPITAL LEVERAGE & LIQUIDITY PROFILE LTV RATIO1 IS BELOW THE TARGETED THRESHOLD OF <30% 44.1% 41.9% Pre-COVID average: 22% 30% 27.9% 25.8% 20.0% 19.2% 17.6% US$ 87 MILLION LIQUID FUNDS AS OF 31-DEC-20 GEORGIA CAPITAL ■Cash 33.5% 33 TOTAL 28.9% Marketable securities 87 49 US$ MILLION Loans issued LTV Ratio LTV Ratio Target Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 5 SOLID DIVIDEND INCOME OUTLOOK FROM PRIVATE PORTFOLIO COMPANIES Georgia Capital PLC | 1. LTV Ratio - Loan to value ratio: net debt divided by the portfolio value. 60-70 GEL MILLION In 2021 33

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