Investor Presentaiton
STRONG TRANSACTIONS OFFLOADING TO DIGITAL CHANNELS*
12
NUMBER OF TRANSACTIONS
MILLIONS
Share of
digital
transactions
93.2%
93.5%
93.5%
94.2%
96.0%
95.1%
96.1%
95.9%
96.2%
+61.5%
57.7
52.5
51.9
51.9
48.3
48.8
2.2
48.3
46.8
3.4
2.5
2.0
9.1
3.3
3.2
8.7
2.7
8.5
8.2
2.0
7.8
8.1
35.8
7.3
7.4
1.4
20.1 35%
6.1
21.0 40%
27.5 57%
26.6 55%
27.4 52%
22.5 43%
16.8 35%
22.9 49%
13.8 39%
9.5 20%
12.8 24%
10.8 22%
18.3 35%
20.6 40%
22.2 46%
26.3 46%
13.6 29%
14.3 40%
2Q19
3Q19
4Q19
iBank/mBank
1Q20
2Q20
Express Pay terminals
3Q 20
ATMs
4Q20
â– Branches
Other
1Q21
Strong presence in Georgia via our self-service Express Pay terminals
Continuous migration of customers activity to mBank/iBank from Express Pay terminals - 26% of
customers activity migrated to mBank/iBank during the past two years
2Q21
3,141
Express pay terminals
+0.7% y-o-y
+0.5% q-0-9
206
Branches
-8.0% y-o-y
Flat q-o-q
795k
mBank/iBank active users**
+19.3% y-o-y
+1.0% q-o-q
972
ATMs
+3.4% y-o-y
More than 96% of daily transactions executed through digital channels
* Information on this slide depicts the usage of channels by individual customers
** Active user - at least one login in the past three months
+0.9% q-o-qView entire presentation