Investor Presentaiton
STRONG TRANSACTIONS OFFLOADING TO DIGITAL CHANNELS*
12
NUMBER OF TRANSACTIONS
MILLIONS
Share of
93.5%
93.5%
94.2%
96.0%
95.1%
96.1%
95.9%
96.2%
96.5%
digital
transactions
+18.8%
"
61.7
57.7
2.2
52.5
51.9
51.9
48.8
48.3
2.2
9.7
46.8
3.4
2.5
2.0
9.1
3.2
2.0
8.7
2.7
8.5
8.2
35.8
7.3
8.1
19.6
7.4
20.1
32%
6.1
21.0
22.5
40%
16.8 35%
35%
26.6 55%
27.4 52%
49%
22.9
39%
13.8
43%
18.3
20.6 40%
22.2 46%
26.3 46%
30.2 49%
10.822%
12.8 24%
13.6 29%
14.3 40%
35%
3Q19
4Q19
1Q20
liBank/mBank
2Q20
3Q20
4Q20
1Q21
Express Pay terminals
ATMs
Branches
Other
Strong presence in Georgia via our self-service Express Pay terminals
2Q21
Continuous migration of customers activity to mBank/iBank from Express Pay terminals - 27% of
customers activity migrated to mBank/iBank during the past two years
More than 96% of daily transactions executed through digital channels
Information on this slide depicts the usage of channels by individual customers
3Q21
** Includes representative offices of Wealth Management business, which was reclassified from Corporate and Investment Banking to Retail Banking segment in 3Q21
*** Active user - at least one login in the past three months
3,130
Express pay terminals
flat y-o-y
-0.4% 9-0-9
212
Branches**
+0.5% y-o-y
+0.5% q-0-9
831k
mBank/iBank active users***
+16.4% y-o-y
+4.5% 9-0-9
985
ATMs
+4.0% y-o-y
+1.3% q-o-qView entire presentation