Bank of Georgia Growth and Reform Strategy

DIVERSIFIED ASSET STRUCTURE AND LOAN PORTFOLIO Total asset structure | 31 Dec 2019 Banking Business Liquid assets | 31 Dec 2019 Total: GEL 18.6bln Banking Business Total: GEL 5.6bln Other assets 5.8% Liquid assets 29.9% Loans to customers, net 64.3% Other liquid assets 17.0% Government bonds, treasury bills, NBG CDs 15.2% Cash and equivalents 38.7% Amounts due from credit institutions 29.1% Bank of Georgia Standalone Total Gross Loans breakdown by segments Total: GEL 11.4bln Retail loans, GEL 7,536.9 mln, 66.0% Loans breakdown | 31 Dec 2019 Retail Banking Net Loans breakdown by product Total: GEL 7.4bln CIB loans, Credit cards and overdrafts 3.1% GEL 3,878.1 mln, 34.0% Corporate and Investment Banking Gross Loans breakdown by sectors Total: GEL 3.9bln Mining and. quarrying 2.7% Financial intermediation Other 2.4% General consumer loans 20.2% Mortgage loans 40.8% 1.3% Micro- and agro- financing loans and SME loans Electricity, gas and. water supply 1.3% 33.5% Health and social work 3.5% Other 8.6% Construction 11.0% Manufacturing 28.3% Hospitality 6.2% Transport & Communication Real estate Trade 15.5% 3.8% Service 4.1% 13.7% BANK OF GEORGIA 16

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