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Investor Presentaiton

Retail Banking gross loan portfolio by product 46% 7% As at 31 December 2023 Figures given for JSC Bank of Georgia standalone 47% Total gross loans: GEL 8,653m Allowance for ECL: GEL 151m Total net loans: GEL 8,503m ■ Mortgages ■ Consumer ■ Other Other products in Retail Banking include car loans, micro loans, card overdrafts, credit cards, pawn loans, and finance lease receivables. 39
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