Retail Banking Financial Update

BANK OF GEORGIA GROUP AT A GLANCE RETAIL BANKING Mass Retail BANK OF GEORGIA GROUP PLC CORPORATE AND INVESTMENT BANKING Corporate Banking SOLO MSME WM and Investment Banking BNB BANK IN BELARUS • BANK OF GEORGIA'S CREDIT RATINGS Agency MOODY'S Rating Outlook Ba3/Ba2 Stable Fitch Ratings BB- Negative O A LEADING BANKING GROUP IN GEORGIA ☐ " Top Systemically important financial institution in Georgia A leading market position by assets, loans and deposits Strongest retail banking franchise: c.40% market share in deposits of individuals Most trusted bank in Georgia* Leader in payments and financial mobile app: 49% BOG share in number of transactions in POS terminals c.6mln transactions in mobile app per month Strong digital offloading of customer activity to digital channels more than 95% of the daily transactions of individuals are executed through digital channels Sustainable high profitability with average ROAE of more than 20% over the last four years (Pre-COVID-19) Resilient credit profile: Well-capitalised, diversified and high quality loan book and strong liquidity profile High standards of transparency and governance: The first entity from Georgia listed on the premium segment of the Main Market of the London Stock Exchange (LSE:BGEO) since February 2012. LSE listed through GDRs since 2006 The Group continues to be included in the global responsible investment index FTSE4Good *Based on Fall 2020 external research by IPM Georgia 11

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