Investor Presentaiton

LOAN PORTFOLIO BREAKDOWN RETAIL BANKING | JUN-21 JSC Bank of Georgia standalone GEL MILLIONS 2.5% 9,458 235 2.9% 5,556 159 CORPORATE AND INVESTMENT BANKING | JUN-21 JSC Bank of Georgia standalone GEL MILLIONS 2.5% 4,949 123 1.2% 13 1,010 110 2.8% 3,939 2.0% 3,901 76 Loan portfolio Allowance for ECL ECL rate Loan portfolio FC GEL Allowance for ECL ■FC GEL ECL rate RB Loan Amounts in GEL millions GEL loans* FC loans not exposed to FC risk FC loans exposed to FC risk Total portfolio 5,556 630 3,271 9,458 % of total RB loan portfolio Consumer CB & WM Loan % of total CIB Mortgages SME & Micro loans* portfolio loan portfolio 58.7% 6.7% 1,838 476 2,066 1,652 1,010 20.4% 93 61 1,985 40.1% 34.6% 1,457 226 1,589 1,954 39.5% 100.0% 3,771 2,385 3,302 4,949 100.0% * Includes credit cards 33

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