Investor Presentaiton

Payments business - our daily touchpoint with customers Acquiring - volume of payment transactions GEL millions +38.2% +10.1% Figures given for JSC Bank of Georgia standalone Issuing - payment MAU thousands +20.1% +7.6% 4,455 4,047 1,249 1,161 3,223 2,994 3,469 1,126 1,083 1,648 1,040 1,383 1,000 1,150 996 2,664 2,806 2,224 2,320 1,997 4Q22 1Q23 2Q23 3Q23 4Q23 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 ■POS terminals E-commerce 54.9% Market share in acquiring volumes | Dec 2023 +3.6 ppts YoY 18.3K Active merchants | Dec 2023 +26.4% YoY 22

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