Investor Presentaiton

STRONG COMPETITIVE POSITION MARKET SHARE-GROSS LOANS MARKET SHARE-CUSTOMER DEPOSITS 38.8% 39.5% 39.0% 38.8% 41.2% 39.0% 40.4% 38.9% 33.5% 34.9% 34.9% 35.7% 36.3% 37.2% 33.9% 36.4% Dec-18 Dec-19 BOG Dec-20 Dec-21 Dec-18 Dec-19 BOG Dec-20 Peer bank Dec-21 Peer bank MARKET SHARE - LOANS TO INDIVIDUALS MARKET SHARE - DEPOSITS OF INDIVIDUALS 40.0% 41.2% 40.0% 39.4% 40.3% 40.3% 40.3% 39.0% 37.5% 38.8% 37.7% 38.6% 36.9% 37.9% 39.5% 40.3% Dec-18 Dec-19 Dec-20 Dec-21 BOG Peer bank Top two banks hold more than 70% of the market Dec-18 Dec-19 Dec-20 Dec-21 BOG Peer bank Bank of Georgia focuses on profitability, while maintaining strong competitive positions Market shares in deposits of and loans to individuals reflect the strength of Bank of Georgia's franchise Market data based on standalone accounts as published by the National Bank of Georgia 34

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