Investor Presentaiton

Borrowers and FX risk % is given for Bank of Georgia standalone gross loan portfolios Retail Banking GEL loans (% of segment portfolio) 77.3% FC loans exposed to FX risk* (% of segment portfolio) 17.8% FC loans with no exposure to FX risk (% of segment portfolio) 4.9% Mortgages 30.6% 13.2% 3.5% Consumer loans 45.4% 4.5% 1.3% Other 1.3% 0.1% 0.1% SME Banking 56.5% 41.8% 1.7% Corporate 26.5% 35.8% 37.7% Banking Total *Loans disbursed in FC when a borrower's income is in GEL. 55.7% 29.4% 15.0% 44

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