Bank of Georgia Financial Snapshot and Loan Portfolio Quality

Financial highlights of 2Q23 and 1H23 2Q23 1H23 34.6% ROE 31.3% 0.8% Cost of credit risk ratio 0.9% 26.9% Cost to income ratio 27.9% Net loans 30 Jun 2023 GEL 18.3bn +12.2% y-o-y +7.6% q-o-q +17.6% y-o-y +6.4% 9-0-9 On a constant currency basis Deposits 30 Jun 2023 GEL 19.6bn +38.1% y-o-y +5.9% q-o-q On a constant currency basis 18.7% +30.1% y-o-y +7.3% q-o-q 30 Jun 2023 CET1 capital Minimum requirement 14.6% ROE and cost to income ratio were adjusted for a one-off GEL 21.1m other income related to the settlement of an outstanding legacy claim 25

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