Investor Presentaiton

Importance to stakeholders Focusing on ESG: managing risks and creating sustainable opportunities MATERIALITY MATRIX Environmental Social ⚫ Governance Climate, environmental and social management of loan portfolio ❤ Board independence and diversity • Risk management • Human capital development • Information security and privacy Financial crime Customer protection Ethical business Diversity, inclusion, and equality. Own carbon footprint ⚫ Biodiversity ⚫ Green products ⚫ • Responsible supply chain Anti-competitive behaviour. ⚫ Financial inclusion and empowerment Climate ● resilience Sustainable • Human rights • Product innovation finance Local communities Energy efficiency. Air quality⚫ Health and safety ●Waste ● Water Importance to our business • Regulatory and legal compliance • Customer experience In 2021 we consulted with stakeholders and completed ESG materiality assessment, enabling us to define the Group's material topics (shaded on the matrix) We have grouped material ESG topics into four key areas: employee empowerment, financial inclusion, communities, and risk management & governance, with metrics and KPIs defined for each area We published our first TCFD-aligned climate disclosures in the Group's Annual Report and Accounts 2021, with information on preliminary climate-related risk assessments; we will be building on and enhancing our existing capabilities to implement effective climate risk and opportunity management processes going forward Bank of Georgia established an Environmental and Social Impact Committee, comprising Management Board and senior managers across the Bank, to oversee the implementation of policies and processes related to ESG management of the Bank's lending portfolio. The Committee will be reporting to the full Board semi-annually 23 23

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