Investor Presentaiton

CIB LOAN BOOK & DEPOSITS Highlights CIB Loans GEL millions +45.3% Leading corporate bank in Georgia 4,000 Integrated client coverage in key sectors 3,000 2,618 2,395 2,260 2,000 2,701 corporate clients served by dedicated relationship 1,000 bankers Mining and. quarrying 2.7% Financial intermediation 1.3% Electricity, gas and water supply 1.3% Transport & Communication 3.8% GEL millions CIB Deposits +10.1% 3,804 4,000 3,825 3,457 3,473 3,059 3,000 2,000 1,000 0 2016 2017 2018 2019 2016 2017 2018 2019 Loans by sectors Portfolio breakdown | 31 December 2019 Deposits by category Deposits by currency Health and social work 3.5% Other 8.6% Manufacturing 28.3% Top 10 CIB borrowers represent 30.9% of total CIB loan book Construction Time deposits, 35.3% 11.0% Hospitality 6.2% Service 4.1% Real estate 13.7% Trade 15.5% BANK OF GEORGIA Top 20 CIB borrowers represent 42.0% of total CIB loan book Current accounts and demand deposits, 64.7% Client deposits, FC, 65.9% Client deposits, GEL, 34.1% 34

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