Retail Banking Financial Update

STRONG COMPETITIVE POSITION • MARKET SHARE - GROSS LOANS 38.2% 38.8% 39.5% 39.0% • MARKET SHARE - CUSTOMER DEPOSITS 39.8% 41.2% 39.0% 38.9% 32.4% 33.5% 34.9% 34.9% 33.9% 36.3% 37.2% 33.9% Dec-17 Dec-18 Dec-19 Dec-20 Dec-17 Dec-18 Dec-19 Dec-20 BOG Peer bank BOG Peer bank Top two banks hold more than 70% of market share MARKET SHARE-DEPOSITS OF INDIVIDUALS Focus on profitability, while maintaining solid market share Increase in market share in deposits of individuals underlines the strength of Bank of Georgia's franchise Market data based on standalone accounts as published by the National Bank of Georgia 41.3% 41.2% 40.3% 40.3% 39.5% 34.6% 36.9% 37.9% Dec-17 Dec-18 Dec-19 Dec-20 BOG -Peer bank 31

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