3Q20 Financial Performance

THE COMPETITION Leading market position in Georgia by assets (35.6%), loans (34.8%), client deposits (37.9%) and equity (31.2%) MARKET SHARE IN GROSS LOANS 34.8% 39.3% 4.1% 3.7% 3.6% 14.4% 18 MARKET SHARE IN CLIENT DEPOSITS 37.9% 38.3% 10.2% 6.4% 4.4% 2.8% BOG TBC LB VTB PCB Others BOG TBC LB VTB PCB Others ■Dec-18 Dec-19 Sep-20 ■Dec-18 ■Dec-19 ■Sep-20 Top two banks hold more than 70% of market share Bank of Georgia has consistently been gaining market share on all fronts, and delivering 20%+ ROAE at the same time Increase in market share in deposits of individuals underlines the strength of Bank of Georgia's franchise. See details on page 33 Market data based on standalone accounts as published by the National Bank of Georgia (NBG) as of 30 September 2020 www.nbg.gov.ge

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