2022 and 1H22 Financial Results

Well-diversified loan book 38 All currency data are in GEL m unless otherwise stated GROSS LOAN PORTFOLIO BREAKDOWN | JUN-22 Breakdown by segment Bank of Georgia standalone Total: GEL 16,091 RB loan portfolio breakdown by product Bank of Georgia standalone Total: GEL 11,171 Other, 2.6% CB loan portfolio breakdown by sector* Bank of Georgia standalone Total: GEL 4,920 Corporate Banking, 4,920,30.6% Retail Banking, 11,171,69.4% Credit cards and overdrafts, 1.9% General consumer loans, 25.3% Mortgage loans, 35.7% Micro and SME loans, 34.5% Other, 24.1% Manufacturing, 15.6% Electricity, gas and water supply, 8.2% Agriculture, hunting and forestry, 11.5% Trade, 8.6% Hospitality, 14.9% Real estate, 17.1% Top 10 CB borrowers 21.6% of CB gross loan book * Sectors that represent more than 1% of CB gross loan portfolio: service, construction, mining & quarrying, transport & communication, financial intermediation, health & social work. Starting from 3Q21, Wealth Management has been reclassified from Corporate and Investment Banking to Retail Banking. Top 20 CB borrowers - 32.6% of CB gross loan book

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