Retail Banking Financial Update

GROWTH ORIENTED REFORMS • EASE OF DOING BUSINESS | 2020 Lithuania Estonia Latvia Germany Kazakhstan Russia Turkey Azerbaijan Poland Czech Rep. Armenia Ukraine New Zealand Singapore 1 2 Denmark 4 USA Georgia UK Norway Source: WB-IFC Doing Business Report UK 7 Estonia Georgia 10 ECONOMIC FREEDOM INDEX | 2020 Source: Heritage Foundation 12 6189 #1 in Europe and Central Asia Region Lithuania 16 Top 6 in Europe region out USA 17 Czech Rep. of 46 countries 23 Latvia 11 18 19 22 25 28 33 34 40 41 47 32 Armenia Bulgaria Romania Kazakhstan Azerbaijan Poland Hungary France Turkey Italy Russia 34 36 38 39 44 46 62 64 71 74 64 Ukraine 94 134 3% 7% 7% 9% 12% 15% 16% 17% • GLOBAL CORRUPTION BAROMETER | 2017 Germany Georgia Poland Czech Rep. Slovakia Latvia Montenegro Bulgaria Turkey Lithuania Armenia Bosnia & Herz. Romania Kazakhstan Russia Ukraine Azerbaijan Moldova Georgia is on a par with EU member states BUSINESS BRIBERY RISK | 2020 Source: Transparency International Norway 2 Sweden Source: Trace International 4 % admitting having paid a bribe last year UK Estonia 9 Singapore 13 15 33 USA 23 France 24 Lithuania 27 Georgia 28 18% Latvia 34 24% Czech rep. 38 24% Poland 41 Armenia 27% 43 29% Bulgaria 69 Ukraine 29% 98 Turkey 114 34% 38% 38% 42% Kazakhstan Russia Azerbaijan Uzbekistan 123 127 136 150 44

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