Investor Presentaiton

Evolution of capital ratios and update on minimum capital requirements EVOLUTION OF CAPITAL RATIOS DURING 1Q22 Capital 1Q22 ratios profit Business Currency growth impact Dec-21 Capital ratios Mar-22 Potential impact of a 10% GEL devaluation CET1 capital adequacy ratio 13.2% 0.9% -0.4% 0.0% 13.7% -0.9% Tier I capital adequacy ratio 15.0% 0.9% -0.5% 0.0% 15.4% -0.9% Total capital adequacy ratio 19.3% 0.9% -0.5% 0.0% 19.7% -0.8% EXPECTED MINIMUM CAPITAL REQUIREMENTS FOR 2022-2023 Bank of Georgia's minimum capital requirements, reflecting the full loading of Basel III capital requirements, to be completed in 2023, which remain subject to ongoing annual regulatory reviews, are currently expected to be as follows: Dec-22 Dec-23 CET1 capital requirement 11.8% 12.1% Tier I capital requirement 14.1% 14.5% Total capital requirement 17.6% 17.6% 35

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