Investor Presentaiton

Retail Banking highlights As at 31 March 2022 for JSC Bank of Georgia standalone 2 BANK OF GEORGIA Mass Retail Active customers** 1,356 k Share of digital MAU 61% Gross loans Deposits SOLO Premium Banking (SOLO & WM*) 73k 3 42 All currency data are in GEL mln unless otherwise stated BANK OF GEORGIA BUSINESS MSME 62k 88% 64% 3,677 3,108 4,208 3,758 4,917 1,182 * Starting from 3Q21, Wealth Management has been reclassified from Corporate and Investment Banking to Retail Banking, under Premium Banking. The comparative periods have been restated accordingly. ** Active individual customer - an individual who used the Bank's any channel at least once, or performed at least one debit transaction, or was a payroll customer, or had at least one active credit product, or had any type of deposit with a balance above a certain threshold during the past month. Active business customer - a legal entity that had at least one active credit product, or used Business mBank or iBank, or performed at least one debit transaction, or had any type of deposit with a balance above a certain threshold (varying for micro, SME, or corporate clients) within the past month.

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