2022 and 1H22 Financial Results

Bank of Georgia Group at a glance BANK OF GEORGIA GROUP PLC RETAIL BANKING Mass Retail Premium Banking MSME CORPORATE AND INVESTMENT BANKING Leader in payments and financial mobile app 52.3% of total volume of POS payment transactions in Georgia executed in BOG's POS terminals in 2Q22 (vs 48.0% in 2Q21) Number of monthly active digital users increased from 729k to 959k y-o-y and the share of monthly active digital users in total active individual clients increased y-o-y by 8.3 ppts to 64.3% 53.9% of total transactions in the second quarter went through mBank/iBank, up 8.3 ppts y-o-y Strongest retail banking franchise 42.4% market share in deposits of individuals* 39.0% market share in loans to individuals* Most trusted bank and top of mind bank in Georgia** NPS of 52% in June 2022*** Robust profitability Sustainably delivering ROAE above 20% *Based on data published by the National Bank of Georgia as at 30 June 2022. **Based on spring 2022 external research by IPM Georgia. ***Based on 2Q22 external research by IPM Georgia. 10 10

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