Bank of Georgia Financial Overview

Diversified funding structure Interest-bearing liabilities +9.2% +2.9% All currency data are in GEL m unless otherwise stated Borrowed funds maturity profile (US$, million)* As at 30 June 2023 208 24,174 22,905 22,723 23,389 21,419 646 774 621 -608 3,154 1,279 1,300 2,647 1,900 1,841 74 2,753 2,113 1,905 2,290 126 2,266 114 154 ii....….. 19,647 17,193 18,261 18,310 134 15,100 47 24 13 147 7 7 12 7 Jun-22 Sep-22 Dec-22 Mar-23 ■Client deposits and notes Due to credit institutions Debt securities issued Borrowings Jun-23 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Senior loans Bonds ■Subordinated loans Client deposits and notes increased to 84.0% of interest- bearing liabilities as at 30 June 2023, compared with 70.5% as at 30 June 2022 *Converted at exchange rates as at 30 June 2023 US$ 255 million undrawn long-term facilities attracted from DFIs as of 30 June 2023 Strong long-term funding pipeline to secure resources needed for the next 12 months ■ JSC Bank of Georgia has redeemed the full outstanding amount of the Eurobond Notes issued on 26 July 2016, maturing on 26 July 2023 35

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