Bank of Georgia Financial Analysis

RETAIL BANKING HIGHLIGHTS Data as at 31 December 2018 for JSC Bank of Georgia standalone 1 2 BANK OF GEORGIA EXPRESS 3 BANK OF GEORGIA Segments Clients Emerging Retail 539 k Mass Retail 1,663 k SOLO Mass Affluent 4 BANK OF GEORGIA BUSINESS 44 k MSME 195k Loans GEL 306 mln GEL 2,091 mln GEL 1,816 mln GEL 2,176 mln Deposits GEL 218 mln GEL 1,766 ml GEL 1,691 min GEL 664m min 2018 Profit* GEL 40 mln GEL 109 mln GEL 56 mln GEL 79 mln Profit per client* GEL 75 GEL 67 GEL 1,455 GEL 440 P/C ratio 3.3 1.7 5.4 1.4 Branches 165 94 12 n/a BANK OF GEORGIA 2018 profit adjusted for demerger related expenses and one-off impact of re-measurement of deferred tax balances 24

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