Bank of Georgia Earnings and Strategy Update

STRONG LOAN AND DEPOSIT PORTFOLIO GROWTH LOAN PORTFOLIO GEL MILLIONS DEPOSIT PORTFOLIO GEL MILLIONS +13.9% +19.8% 16,169 14,020 +0.1% +12.5% 14,038 14,192 11,931 9,398 10,077 55% 8,820 59% 8,134 8,389 59% 6,985 5,800 62% 61% 61% 8,500 8,612 69% 6,986 5,488 67% 7,349 45% 4,946 5,804 41% 5,521 39% 3,598 38% 41% 5,426 39% 2,646 33% 3,090 31% Dec-18 Dec-19 Dec-20 Dec-21 Dec-18 Dec-19 Dec-20 Dec-21 ■Net loans, GEL Net loans, FC Client deposits and notes, FC Client deposits and notes, GEL Growth on a constant currency basis 28

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