Bank of Georgia Financial Overview

Retail Banking - loan and deposit portfolio Loan portfolio +10.3% +13.1% All currency data are in GEL m unless otherwise stated Deposit portfolio +24.9% +34.4% +4.7% +5.6% +4.0% +4.0% Growth on a 10,133 10,924 10,663 11,255 7,014 7,122 7,305 7,392 7,735 9,010 constant 2,130 1,972 1,998 1,883 1,913 currency basis 8,060 7,613 7,854 7,567 6,512 4,884 5,150 5,307 5,508 5,823 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Net loans GEL Net loans FC Loan yield 2,498 Jun-22 2,565 Sep-22 2,864 3,049 3,401 Dec-22 Mar-23 Jun-23 ■Client deposits and notes GEL Cost of deposits 17.0% 17.2% 16.7% 16.9% 16.7% 17.0% 16.8% 8.8% 8.6% ■Client deposits and notes FC 8.1% 8.2% 8.3% 8.6% 8.2% 13.7% 14.0% 13.9% 14.3% 14.3% 14.3% 13.5% 2.8% 2.6% 2.5% 2.7% 2.9% 2.8% 2.8% 6.0% 5.9% 6.3% 6.7% 7.0% 6.8% 5.8% 0.6% 0.5% 0.6% 0.7% 0.7% 0.6% 0.7% 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 Loan yield Loan yield (GEL) Loan yield (FC) 2Q22 3Q22 4Q22 1Q23 2Q23 1H22 1H23 -Cost of deposits Cost of deposits (GEL) Cost of deposits (FC) 40 In the first quarter of 2023 we split the SME Banking segment from Retail Banking and transferred the majority of the Micro portfolio, where customers had business-related needs, to SME Banking. The remaining Micro portfolio has been transferred to Mass Retail. The comparative figures have been restated accordingly to reflect this change

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