Banking Sector Financial Highlights

Focusing on increasing product sales in retail digital channels Figures given for JSC Bank of Georgia standalone Number of transactions* Share of digital channel transactions Products sales in digital channels** millions thousands 57.5% 60.2% 62.6% 63.9% 65.5% Share of products sold digitally 37.9% 45.2% 44.1% 42.5% 47.1% 26 96 97 87 86 79 12 1 12 671 633 1 58 578 12 11 1 11 21 21 21 37 454 550 39 65 222 21 21 22 20 30 44 62 60 63 33 52 53 613 567 541 511 424 3Q22 4Q22 1Q23 2Q23 3Q23 3Q22 4Q22 1Q23 2Q23 3Q23 ■mBank/iBank/sCoolApp Other digital channels BOG Pay Terminals ■mBank/iBank/sCoolApp Other digital channels ATMs Human-assisted channels *In 2Q23, we changed the methodology of calculating the number of transactions and now include payments, transfers, currency conversions, P2P transactions, cash-ins and cash-withdrawals. Product sales were excluded from the count of transactions. The previous periods have been restated. Other digital channels include smaller-scale channels such as bogpay.ge. Human-assisted channels include branches and a call center **In 2Q23, we changed the methodology of calculating the share of products sold digitally and currently include all types of products sold by the Bank. The previous periods have been restated 20

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