Retail Banking Financial Update

RETAIL BANKING LOAN PORTFOLIO COMPOSITION RETAIL BANKING CLIENT DATA Operating Data, GEL mln MORTGAGE LOANS DOLLARISATION Dec-20 Dec-19 Number of total Retail clients, of which: 2,616,480 Number of Solo clients Consumer loans & other outstanding, volume 60,330 1,924 Consumer loans & other outstanding, number Mortgage loans outstanding, volume Mortgage loans outstanding, number 431,927 2,540,466 54,542 1,726 472,791 Dec-18 2,440,754 44,292 1,555 566,740 Dec-17 2,315,038 32,104 1,480 738,694 5% 23% 26% 42% 46% 3,734 52,665 3,043 46,907 2,539 39,007 1,706 26,643 95% 77% 74% Micro & SME loans outstanding, volume 3,126 Micro & SME loans outstanding, number 75,723 2,523 81,739 2,005 1,637 58% 54% 68,832 53,732 Credit cards and overdrafts outstanding, volume Credit cards and overdrafts outstanding, number Credit cards outstanding, number, of which: 198 245 290 308 303,283 395,012 454,512 264,311 395,536 547,038 American Express cards 97,318 99,307 105,899 480,105 673,573 97,178 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 ■Mortgage loans, FC Mortgage loans, GEL RETAIL BANKING PORTFOLIO I 31 DEC 2020 Gross Loans by products Total: GEL 9.Obln Deposits by currency Total: GEL 7.1bln Deposits by category Total: GEL 7.1bln Credit Other cards and General 2.2% overdrafts 2.2% consumer Client Deposits, loans Mortgage 19.2% loans GEL 31.3% 41.6% Client Deposits, FC Time deposits Micro and 60.0% 68.7% SME loans 34.8% Current accounts & demand deposits 40.0% 68

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