Banking Sector Financial Highlights

Payments business - our daily touchpoint with customers Acquiring - volume of payment transactions GEL millions +46.3% +16.7% Figures given for JSC Bank of Georgia standalone Issuing - payment MAU thousands +24.8% +3.1% 4,047 1,161 3,469 1,126 3,223 1,083 2,994 1,040 2,766 1,383 1,150 930 1,000 767 996 2,664 1,999 2,224 2,320 1,997 3Q22 4Q22 1Q23 2Q23 3Q23 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 POS terminals E-commerce 55.2% Market share in acquiring volumes | Sep 2023 +6.3 ppts YoY 17.3K Active merchants | Sep 2023 +27.7% YoY 22

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