Investor Presentaiton

BANK OF GEORGIA GROUP AT A GLANCE RETAIL BANKING BANK OF GEORGIA GROUP PLC WEALTH MANAGEMENT CORPORATE AND INVESTMENT BANKING BNB (BANK IN BELARUS) BANK OF GEORGIA'S CREDIT RATINGS Outlook Agency MOODY'S Rating Ba3/Ba2 Stable Fitch Ratings BB- Negative LEADING BANKING GROUP IN GEORGIA 13 Top Systemically important financial institution in Georgia A leading market position by assets, loans and deposits Strong brand name recognition and retail banking franchise: Offers the broadest range of financial products to the retail market through a network of 228 branches, 939 ATMs, 3,183 Express Pay Terminals and more than 2.5 million customers as of 31 March 2020 Sustainable high profitability with average ROAE of more than 20% over the last four years on the back of solid NIM, low cost of credit risk and stringent cost control Resilient credit profile: Well-capitalised, diversified and high quality loan book and strong liquidity profile High standards of transparency and governance: The first entity from Georgia listed on the premium segment of the Main Market of the London Stock Exchange (LSE:BGEO) since February 2012. LSE listed through GDRs since 2006 The Group has been included in the FTSE 250 and FTSE All-share Index Funds since 18 June 2012 The Group continues to be included in the global responsible investment index FTSE4Good

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