Investor Presentaiton

Strong liquidity and funding positions LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS JSC Bank of Georgia standalone (Basel III liquidity) 136.8% 132.5% 129.7% 124.5% 124.0% 112.7% Dec-21 Jun-21 Sep-21 ■Liquidity coverage ratio 130.7% 130.6% 116.2% Mar-22 113.5% NET LOANS TO CUSTOMER FUNDS AND DFIs 117.0% 115.2% 112.2% 107.9% 106.1% 102.1% 100.0% 97.9% 95.5% 93.2% Jun-22 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Net loans to customer funds Net stable funding ratio Net loans to customer funds and DFIs 35

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