Investor Presentaiton

GEORGIA CAPITAL LEVERAGE & LIQUIDITY PROFILE LTV RATIO¹ IS ON TRACK TO THE TARGETED THRESHOLD OF <30% Pre-COVID average: 22% 30% 27.9% 25.8% 20.0% 19.2% 17.6% 44.1% 41.9% 33.5% 31.2% 28.9% 27.4% LTV Ratio US$ 133 MILLION LIQUID FUNDS AS OF 30-SEP-21 GEORGIA CAPITAL Cash 51 TOTAL Marketable securities 133 25.4% US$ MILLION Loans issued LTV Ratio Target Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 39 SOLID DIVIDEND INCOME OUTLOOK FROM OUR LISTED AND PRIVATE PORTFOLIO COMPANIES c.75 GEL MILLION IN 2021 DIVIDENDS RECEIVED (GEL million) GHG P&C Insurance Renewable Energy Total 3Q21 9M21 25.0 25.0 5.0 5.0 14.5 30.0 44.5 GEL 14.5 MILLION DIVIDENDS COLLECTED FROM BOG IN 4Q21 Georgia Capital PLC | 1. LTV Ratio - Loan to value ratio: net debt divided by the portfolio value. 44 43

View entire presentation