Bank of Georgia Financial Overview

Income statement highlights Change Change Change GEL thousands 2Q23 2Q22 1Q23 1H23 1H22 y-o-y q-o-q y-o-y INCOME STATEMENT HIGLIGHTS Net interest income 395,909 281,170 40.8% 371,900 6.5% 767,809 552,620 38.9% Net fee and commission income Net foreign currency gain Net other income Operating income Operating expenses 89,165 81,065 10.0% 112,301 -20.6% 201,466 139,897 44.0% 100,018 82,083 667,175 125,528 -20.3% 70,652 41.6% 170,670 190,012 -10.2% 7,087 494,850 1058.2% 8,656 848.3% 90,739 8,070 1024.4% 34.8% 563,509 18.4% 1,230,684 890,599 38.2% (179,365) (160,899) 11.5% (164,169) 9.3% (343,534) (299,254) 14.8% Profit from associates 682 250 172.8% 218 NMF 900 376 139.4% Operating income before cost of risk 488,492 334,201 46.2% 399,558 22.3% 888,050 591,721 50.1% Cost of risk (32,152) (25,911) 24.1% (48,298) -33.4% (80,450) (18,344) NMF Net operating income before non-recurring items 456,340 308,290 48.0% 351,260 29.9% 807,600 573,377 40.8% Net non-recurring items 1 232 -99.6% Profit before income tax expense and one-off items 456,341 308,522 47.9% (60) 351,200 NMF 29.9% Income tax expense (68,878) (33,036) Profit adjusted for one-off items 387,463 275,486 40.6% 108.5% (49,871) 301,329 38.1% 28.6% (59) 807,541 (118,749) 688,792 280 NMF 573,657 40.8% (57,599) 106.2% 516,058 33.5% One-off items Profit 21,061 408,524 21,061 275,486 48.3% 301,329 35.6% 709,853 516,058 37.6% Basic earnings per share 9.14 5.81 57.3% 6.55 39.5% 15.65 10.87 44.0% Diluted earnings per share 8.94 5.79 54.4% 6.44 38.8% 15.32 10.79 42.0% 61

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