Investor Presentaiton

Loyalty programme - one of the strengths of Bank of Georgia GEL 1.5mln +71.1% y-o-y +5.0% 9-o-q 217k +66.7% y-o-y +32.6% 9-0-9 Average monthly value of loyalty points exchange operations Average monthly loyalty points exchange operations in 1Q22 in 1Q22 ADVANCED ANALYTICS for partner merchants PERSONALISED CAMPAIGNS * Members with at least one active product. 1.5mln +6.0% y-o-y active Loyalty programme members* Mar-22 AVERAGE MONTHLY TRANSACTIONS AND SPEND PER CUSTOMER 830 759 718 686 619 605 573 489 489 222 24 24 21 20 20 19 17 17 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 Spend value per customer (GEL) 3Q21 4Q21 1Q22 Number of transactions per customer 19

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