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Bank of Georgia Growth and Reform Strategy

DIVERSIFIED RETAIL PORTFOLIOS AND INCOME STREAMS Balance Sheet | 31 Dec 2019 JSC Bank of Georgia Standalone 4% Income Statement | 2019 JSC Bank of Georgia Standalone Total Gross Loans GEL 7,537min 12% Net Interest Income GEL 546mln 29% 31% 36% ■Mass Retail (GEL 2,321mln) ■MSME (GEL 2,697mln) ■Solo (GEL 2,239mln) Express Bank (GEL 279mln) JSC Bank of Georgia Standalone 5% 42% 39% 14% 20% 38% 30% ■Mass Retail (GEL 205mln) ■MSME (GEL 162mln) Solo (GEL 111mln) Express Bank (GEL 68min) Total Deposits GEL 5,713mln JSC Bank of Georgia Standalone 18% 35% 22% 25% Mass Retail (GEL 2,372 mln) MSME (GEL 808mln) Solo (GEL 2,218mln) Express Bank (GEL 315mln) Mass Retail (GEL 40mln) ■MSME (GEL 28mln) Solo (GEL 25min) Express Bank (GEL 20mln) BANK OF GEORGIA Net Fee & Commission Income GEL 113min 29
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