Investor Presentaiton

LOYALTY PROGRAMME - ONE OF THE STRENGTHS OF BANK OF GEORGIA GEL 1min+ +40.7% y-o-y 130k+ +8.2% y-o-y worth of loyalty points exchange operations per month 9M21 loyalty points exchange operations per month 9M21 ADVANCED ANALYTICS for partner merchants PERSONALISED CAMPAIGNS * Members with at least one active product 1.4min+ +2.5% y-o-y active Loyalty programme members* Sep-21 TRANSACTIONS AND SPEND PER CUSTOMER PER MONTH INCREASING 759 686 619 605 573 489 489 20 20 22 199 24 22 17 17 1Q20 2Q20 3Q20 Spend volume per customer (GEL) 4Q20 1Q21 2Q21 3Q21 Number of transactions per customer 16

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