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Investor Presentaiton

Corporate Banking gross loan portfolio by sector Other 22% Real estate 20% Electricity, gas and water supply 10% Trade 10% Agricultur e, Hunting and Forestry 9% Figures given for JSC Bank of Georgia standalone Manufacturing 17% As at 31 December 2023 Total gross loans: GEL 6,546m Allowance for ECL: GEL 82m Total net loans: GEL 6,464m Top 10 CB borrowers: 23.0% of CB gross loan book Top 20 CB borrowers: 33.0% of CB gross loan book Hospitality 11% Sectors that represent more than 1% of CB gross loan portfolio: financial intermediation, service, mining and quarrying, transport and communication, construction, health and social work. 40

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