Retail Banking Financial Update

STRONG LIQUIDITY AND FUNDING POSITIONS • LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS JSC Bank of Georgia standalone (Basel III liquidity) • NET LOANS TO CUSTOMER FUNDS AND DFIs 133.6% 136.7% 138.6% 118.4% 132.5% 137.5% 115.5% 125.5% 120.1% 109.4% 100.3% 103.2% 99.6% 101.2% 89.0% 89.4% Dec-17 Dec-18 ■Liquidiy coverage ratio Dec-19 Dec-20 Dec-17 Net stable funding ratio 2018-2020 ratios are calculated in line with the NBG guidelines Dec-18 Dec-19 Net loans to customer funds Net loans to customer funds and DFIs " Liquidity and funding positions remain strong, following repayment of GEL 500 million local currency bonds in June 2020 Excess liquidity maintained for risk mitigation purposes, on the back of uncertainty as a result of the COVID-19 crisis Strong support from International Financial Institutions Dec-20 36

View entire presentation