Investor Presentaiton

Focusing on increasing product sales in retail digital channels Figures given for JSC Bank of Georgia standalone Number of transactions* Share of digital channel transactions Products sales in digital channels** millions thousands 60.2% 62.6% 63.9% 65.5% 68.0% Share of products sold digitally 45.2% 44.1% 42.5% 47.1% 70.3% 111 96 97 1 14 87 86 1 1 12 12 1 1 20 12 11 21 21 21 1 22 20 1 1 52 52 53 1,726 116 671 633 1,609 578 58 74 37 550 39 65 00 60 63 613 541 511 567 4Q22 1Q23 2Q23 ■mBank/iBank/sCoolApp Other digital channels 3Q23 4Q23 4Q22 1Q23 2Q23 3Q23 4Q23 BOG Pay Terminals ImBank/iBank/sCoolApp Other digital channels ATMs Human-assisted channels Significant increase in products sales in digital channels in 4Q23 was partly driven by gamification launched in BOG APP during the quarter *In 2Q23, we changed the methodology of calculating the number of transactions and now include payments, transfers, currency conversions, P2P transactions, cash-ins and cash-withdrawals. Product sales were excluded from the count of transactions. The previous periods have been restated. Other digital channels include smaller-scale channels such as bogpay.ge. Human-assisted channels include branches and a call center. Share of digital channel transactions: Sum of number of transactions made through mBank, iBank, sCoolApp and other digital channels divided by total number of transactions made. **In 2Q23, we changed the methodology of calculating the share of products sold digitally and currently include all types of products sold by the Bank. The previous periods have been restated. Share of products sold digitally: Sum of products sold through mBank, iBank, sCoolApp and other digital channels divided by total number of products sold. 20

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