Georgia Capital Shareholder and Market Opportunity Overview

12 20% 6+ NO 10 8 4 2 Feb-08 PRUDENT MONETARY POLICY ENSURES MACRO-FINANCIAL STABILITY Monetary policy rate 14 Sources: NBG NBG increased the monetary policy rate to 8.5% in March and to 9.5% in April, as inflation is expected to remain higher than the target throughout 2021 Aug-08 Feb-09 Aug-09 Feb-10 Aug-10 Feb-11 Aug-11 Feb-12 Nonperforming loans to total gross loans, latest 2021 Sources: IMF Aug-12 Feb-13 Hungary 0.9% Lithuania 1.0% Georgia 2.3% Latvia 3.5% Turkey 3.9% Poland 4.0% Romania 4.1% Belarus 4.8% Bulgaria Armenia Croatia Moldova Kazakhstan 5.8% 6.6% 7.2% 7.4% 8.4% Russia 8.8% Aug-13 Feb-14 Aug-14 Feb-15 Aug-15 Feb-16 Turkey Kazakhstan Aug-16 Feb-17 Aug-17 Feb-18 Aug-18 Feb-19 Monetary policy rate vs peers Sources Central banks Aug-19 Feb-20 Aug-20 Feb-21 9.50 19.00% 20% End-2019 End-2020 Latest-2021 18% 16% 14% 12% 9.00% 9.50% 10% 8.50% 7.50% 8% 6.25% 5.50% 5.00% 6% 4% 2% 0% Georgia Belarus Russia 78 78 GEORGIA CAPITAL

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