Investor Presentaiton

LOAN PORTFOLIO BREAKDOWN RETAIL BANKING | DEC-21 JSC Bank of Georgia standalone GEL MILLIONS 2.2% 10,581 231 2.8% 6,383 181 CORPORATE AND INVESTMENT BANKING | DEC-21 JSC Bank of Georgia standalone GEL MILLIONS 2.3% 5,220 119 1.2% 13 1,127 106 4,093 2.6% 4,198 1.2% 50 Loan portfolio Allowance for ECL ECL rate Loan portfolio FC GEL Allowance for ECL FC GEL ECL rate Amounts in GEL millions GEL loans* FC loans not exposed to FC risk FC loans exposed to FC risk Total RB Loan portfolio % of total RB loan portfolio % of total CIB Mortgages Consumer loans* SME & Micro CIB portfolio loan portfolio 6,383 666 3,532 10,581 60.3% 6.3% 2,010 491 2,613 115 1,759 60 1,127 21.6% 2,190 42.0% 33.4% 1,477 286 1,770 1,903 36.4% 100.0% 3,978 3,014 3,590 5,220 100.0% * Includes credit cards ** Starting from 3Q21, the Wealth Management business has been reclassified from Corporate and Investment Banking to the Retail Banking segment 33

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