Investor Presentaiton

STRONG LIQUIDITY AND FUNDING POSITIONS LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS JSC Bank of Georgia standalone (Basel III liquidity) NET LOANS TO CUSTOMER FUNDS AND DFIs 136.7% 138.6% 137.5% 136.8% 118.4% 133.6% 132.5% 115.5% 124.5% 120.1% 106.1% 103.2% 101.2% 99.6% 93.2% 89.4% Dec-18 Dec-19 Dec-20 Jun-21 Dec-18 Dec-19 Dec-20 ■Liquidiy coverage ratio ■Net stable funding ratio Net loans to customer funds Net loans to customer funds and DFIs Excess liquidity maintained for risk mitigation purposes, on the back of the COVID-19 crisis, partially successfully deployed during the second quarter of 2021 Strong support from International Financial Institutions Jun-21 35

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