Bank of Georgia Financial Overview 2021

STRONG UNDERLYING PERFORMANCE OPERATING INCOME GEL MILLIONS +25.2% NET NON-INTEREST INCOME GEL MILLIONS +31.5% 412 +26.4% 1,366 +10.9% +9.0% 70 313 1,091 412 30% +4.4% 379 348 48 109 313 29% 300 105 30% 109 29% 99 105 109 98 98 33% 11 9 25 954 70% 33 34 778 71% 232 202 67% 243 70% 270 71% 26 166 62 47 49 64 2020 2020 2021 4Q20 3Q21 4Q21 Net non-interest income Net interest income 2021 4Q20 3Q21 4Q21 Net other income Net foreign currency gains Net fee and commission income Strong net interest income and net fee and commission income generation driving robust top-line performance 24

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