Investor Presentaiton

WELL-DIVERSIFIED LOAN BOOK LOAN PORTFOLIO BREAKDOWN | JUN-21 Gross Loans by segment Bank of Georgia standalone Total: GEL 14.4bln CIB loans, GEL 4,949 mln, 34.4% Retail loans, GEL 9,458 mln, 65.6% Retail Banking Gross Loans by product Total: GEL 9.5bln Corporate and Investment Banking Gross Loans by sectors Total: GEL 4.9bln 32 Credit cards_ and overdrafts 2.0% Other 2.7% Mining & quarrying Health & social work General 3.6% consumer Financial 2.3% Other Manufacturing 15.5% 19.9% loans 20.5% Mortgage loans 39.9% intermediation 3.2% Micro and SME loans Electricity, gas & water supply 7.9% Construction 1.7% Trade 8.9% Real estate 17.2% 34.9% Transport & Communication Hospitality 14.4% Service 3.8% 1.6%

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