Bank of Georgia Financial Snapshot and Loan Portfolio Quality

Focusing on increasing product sales in digital channels Figures given for JSC Bank of Georgia standalone 55.7% Share of digital channel transactions Number of transactions* millions Products sales in digital channels** thousands Share of 57.5% 60.2% 62.6% 63.9% digital product sales 38.6% 37.9% 45.2% 44.1% 42.5% 87 98 86 79 12 1 75 1 12 11 1 11 21 21 11 21 21 2+ 22 20 20 1 1 96 96 671 58 578 37 550 39 454 410 27 30 613 541 511 60 424 52 53 383 44 41 2Q22 3Q22 ■mBank/iBank/sCoolApp ATMs 4Q22 Other digital channels Human-assisted channels 1Q23 2Q23 2Q22 3Q22 4Q22 1Q23 2Q23 BOG Pay Terminals ■mBank/iBank/sCoolApp Other digital channels *In 2Q23, we changed the methodology of calculating the number of transactions and now include payments, transfers, currency conversions, P2P transactions, cash-ins and cash-withdrawals. Product sales were excluded from the count of transactions. The previous periods have been restated. Other digital channels include smaller-scale channels such as bogpay.ge. Human-assisted channels include branches and a call center **In 2Q23, we changed the methodology of calculating the share of products sold digitally and currently include all types of products sold by the Bank. The previous periods have been restated 19

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