Investment and Growth Strategy

40 Listed Portfolio BANK OF GEORGIA BANK OF GEORGIA OVERVIEW http://bankofgeorgiagroup.com/ Stock price performance 35 30 25 20 15 10 5 May/18 Jun/18 Jul/18 Aug/18 Sep/18 Oct/18 Nov/18 Dec/18 Jan/19 Feb/19 Mar/19 Apr/19 May/19 Jun/19 Jul/19 Aug/19 Sep/19 Oct/19 Nov/19 Dec/19 Jan/20 Feb/20 Mar/20 Apr/20 May/20 Jun/20 Selected operating metrics 31-Dec-21 Jul/20 Aug/20 Sep/20 Oct/20 Nov/20 Dec/20 Jan/21 Feb/21 Mar/21 Apr/21 May/21 Jun/21 Jul/21 Aug/21 Sep/21 Oct/21 Nov/21 Dec/21 Jan/22 Feb/22 Mar/22 Apr/22 May/22 Jun/22 Jul/22 Aug/22 Sep/22 Oct/22 Nov/22 Dec/22 Jan/23 Feb/23 Financial metrics (GEL million) GBP 27.50 as of 31-Mar-23 NIM NPL coverage Loan portfolio Mar/23 Cost/income²,3 2015 2016 2017 2018 2019 2020 2021 2022 Change y-o-y 7.7% 7.4% 7.3% 6.5% 5.6% 4.6% 4.9% 5.4% +0.5 ppts -29.1 ppts +4.3% 83.4% 86.7% 92.7% 90.5% 80.9% 76.3% 95.5% 66.4% 5,367 6,682 7,741 9,398 11,931 14,192 16,169 16,862 35.5% 37.7% 37.7% 36.7% 37.8% 39.7% 37.2% 32.0% -5.2 ppts GEL 16.6 billion gross loan portfolio breakdown* | 31 December 2022 31-Dec-22 Change Number of monthly active customers ('000) 1,459 1,714 +17.4% Corporate loans, GEL 4,989 million, 30.1% 4Q21 4Q22 Change Number of transactions in mBank and iBank ('000) Profits & ROAE 35,402 52,466 48.2% Retail loans, GEL 11,591 million, 69.9% * Bank of Georgia Standalone. Loan book growth Dividend record (GEL million) Loan book growth (nominal) Loan book growth (constant currency basis) Payout ratio: ROAE 21.9% 22.2% 25.2% 26.4% 26.1% 13.0% 25.8% 32.4%2 36% 33% 34% 32% 30% 30% 27.0% 24.5% 1,1322 20.9% 21.4% 19.8% 18.9% 17.4% Share buyback GEL million 16.1% 22.0% 13.9% 727 19.0% 12.9% Total dividend paid for the year 10.2% 500 370 379 274 296 295 15.9% 4.3% 1.5% 2015 2016 2017 2018 2019 2020 2021 2022 2015 2016 2017 2018 2019 2020 2021 2022 4. For the purpose of payout ratio calculation, total buyback amount is divided by outstanding shares before the beginning of the programme for the respective year. Georgia Capital PLC | 1. 2019 ROAE is adjusted for termination costs of former CEO and executive management, while 2018 ROAE is adjusted for demerger related expenses, one-off impact of re-measurement of deferred tax balance and termination costs of the former CEO. 2. Adjusted for a one-off GEL 391.1m of other income due to the settlement of an outstanding legacy claim, and a one-off GEL 79.3m tax expense due to an amendment to the current corporate taxation model in Georgia. 3. 2019 cost/income ratio adjusted for GEL 12.4 million one-off employee costs (gross of income tax) related to termination benefits of the former executive management 35%4 37%4 539 184 72 80 98 102 122 124 84 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 257 73 267 188 GEL 267m final dividend recommended for shareholder approval 48 43 GEORGIA CAPITAL

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