Investor Presentaiton

LOYALTY PROGRAMME - ONE OF THE STRENGTHS OF BANK OF GEORGIA GEL 874k +28.3% y-o-y 129k+ +9.1% y-o-y worth of loyalty points exchange operations per month 1H21 loyalty points exchange operations per month 1H21 ADVANCED ANALYTICS for partner merchants PERSONALISED CAMPAIGNS * Members with at least one active product 1.4min+ +5.0% y-o-y active Loyalty programme members* Jun-21 TRANSACTIONS AND SPEND PER CUSTOMER PER MONTH INCREASING 686 619 605 573 489 489 22 20 20 19 17 17 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 Spend volume per customer (GEL) Number of transactions per customer 16

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