Bank of Georgia Financial Snapshot and Loan Portfolio Quality

Our retail customers are becoming more digital and engaged Figures given for JSC Bank of Georgia standalone Monthly active users (Retail) thousands Digital engagement of active customers 71.9% 1,632 1,671 1,698 70.3% 1,492 1,546 +13.8% y-o-y 68.7% 64.3% 65.0% 1,121 1,174 1,221 959 1,005 +27.3% y-o-y 47.6% 45.8% 46.9% 47.7% 45.2% 533 551 582 439 454 +32.6% y-o-y Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 MAU - Digital MAU Digital DAU Jun-22 Sep-22 Dec-22 Digital MAU/MAU Mar-23 Jun-23 Digital DAU/Digital MAU 17

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