FY20 Results and Strategy Overview

25.00 20.00 15.00 10.00 5.00 Listed portfolio BANK OF GEORGIA BANK OF GEORGIA OVERVIEW http://bankofgeorgiagroup.com/ Stock price performance May-18 Jun-18 Jul-18 Aug-18 Aug-16 Sep-18 91-das Retail clients ('000) Oct-18 Nov-18 Dec-18 % share of digital transactions in total transactions Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Aug-19 Sep-19 Oct-19 Nov-19 Financial metrics (GEL million) GBP 12.20 2015 2016 2017 2018 2019 2020 as of 31-Dec-20 NIM 7.7% 7.4% 7.3% 6.5% 5.6% 4.6% NPL coverage 83.4% 86.7% 92.7% 90.5% 80.9% 76.3% Loan portfolio 5,367 6,682 7,741 9,398 11,931 14,192 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 -20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Cost/income² 35.5% 37.7% 37.7% 36.7% 37.8% 39.7% Selected operating metrics 31-Dec-19 Profits & ROAE 31-Dec-20 Change 2,540 2,616 3.0% 4Q19 4Q20 Change 93.5% 96.1% 2.6ppts ROAE¹ 21.9% 22.2% 25.2% 26.4% 26.1% 13.0% 24.5% 500 20.8% GEL million 370 379 296 274 295 Loan book growth 15.9% 21.4% GEL 13.8 billion gross loan portfolio breakdown* | 31 December 2020 27.0% Corporate loans, GEL 4,803 million, 34.8% 18.9% Retail loans, GEL 8,982 million, 65.2% * Bank of Georgia Standalone. GEORGIA CAPITAL Dividend record³ (GEL million) Payout 10% ratio: 15% 30% 36% 33% 34% 32% 30% 30% Total dividend paid for the year Dividend per share 1.6 Dividend per share CAGR (GEL) - 34.3% 2.44 2.55 2.08 1.92 1.68 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 2010 2011 2012 2013 2014 2015 2016 2017 2018 Georgia Capital PLC | 1. 2019 ROAE is adjusted for termination costs of former CEO and executive management, while 2018 ROAE is adjusted for demerger related expenses, one-off impact of re-measurement of deferred tax balance and termination costs of the former CEO. 2. 2019 cost/income ratio adjusted for GEL 12.4 million one-off employee costs (gross of income tax) related to termination benefits of the former executive management. 3. Actual dividend per share information for 2010-2016 years are adjusted for 19.9% Bog share issuance. 42 1.2 122 124 0.56 98 102 72 80 0.24 51 24

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