Bank of Georgia Financial Analysis

DIVERSIFIED ASSET STRUCTURE AND LOAN PORTFOLIO Total asset structure | 31 December 2018 Liquid assets | 31 December 2018 Banking Business Bank of Georgia Standalone Other assets 5.8% Total: GEL 14.8bln Liquid assets Loans to customers, net 63.5% Total Gross Loans breakdown by segments Total: GEL 9.2bln Retail loans, GEL 6,389.1 mln, 69.8% Corporate loans, GEL 2,761.2 min, 30.2% BANK OF GEORGIA 30.7% Banking Business Other liquid assets 20.3% Cash and equivalents 26.8% Total: GEL 4.5bln Government bonds, treasury bills, NBG CDs 24.2% Amounts due from credit institutions 28.7% Loans breakdown | 31 December 2018 Retail Banking Net Loans breakdown by product 18.6% of Total: GEL 6.3bln Corporate Investment Banking Gross Loans breakdown by sectors Total: GEL 2.8bln total clients Credit cards and overdrafts 4.3% 23.2% of total clients Other 2.7% 1.6% of total clients Mining and quarrying 4.1% General consumer Mortgage loans loans 40.4% 21.1% Micro- and agro- financing loans and SME loans 31.5% 2.8% of total clients Financial intermediation_ Health and social work 3.6% Other 8.2% Manufacturing 32.8% 1.5% Electricity, gas and- water supply Construction 10.0% 2.7% Hospitality 7.0% Trade Transport & 16.0% Real Communication_ 2.0% Service estate 3.1% 9.0% 17

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