Banking Sector Financial Highlights

Strong liquidity position Liquidity coverage and net stable funding ratios* JSC Bank of Georgia standalone (Basel III liquidity) 132.4% 131.9% 130.9% 129.8% 130.1% 128.2% 121.4% Sep-22 Dec-22 Mar-23 111.1% Jun-23 135.7% 134.5% Sep-23 Figures given for JSC Bank of Georgia standalone Net loans to customer funds and DFIs 94.0% 92.3% 92.8% 93.1% 87.4% 84.5% 85.0% 85.9% 83.8% 79.8% Sep-22 Dec-22 Net loans to customer funds Mar-23 Jun-23 Sep-23 Net loans to customer funds and DFIs ■Liquidity coverage ratio ■Net stable funding ratio ■ Since January 2023, the NBG has transitioned to IFRS-based accounting, and the March, June and September 2023 liquidity coverage ratio and the net stable funding ratio have been calculated based on IFRS Both the LCR and the NSFR ratios have been comfortable above the minimum requirement of 100% ■ The increase in LCR was primarily a result of growing deposit portfolio as well as attracting DFI funding to support overall loan growth and liquidity buffers *In January 2023, the NBG transitioned to IFRS-based accounting. The LCR and NSFR figures for 30 September 2022 are not IFRS-based 35

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