Bank of Georgia Financial Snapshot and Loan Portfolio Quality

Strong underlying performance Operating income* +34.8% +38.2% +18.4% All currency data are in GEL m unless otherwise stated Net non-interest income* +26.9% +37.0% +41.6% 271 1,231 667 250 463 585 564 214 231 1 27 82 527 1ā 91 495 891 463 7 192 271 338 8 250 192 125 231 338 151 171 71 214 126 100 190 768 396 372 335 553 281 295 2Q22 3Q22 4Q22 1Q23 2Q23 112 98 81 80 68 89 1H22 1H23 2Q22 3Q22 4Q22 1Q23 2Q23 | Net interest income Net non-interest income 201 140 1H22 1H23 Net fee and commission income Net foreign currency gain Net other income *4Q22 figures adjusted for a one-off GEL 391.1m other income and 2Q23 and 1H23 figures were adjusted for a one-off GEL 21.1m other income, related to the settlement of an outstanding legacy claim 26

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