Georgia's Economic Outlook 2020

SOLID INCOME NOTWITHSTANDING PRESSURE ON YIELDS LOAN YIELDS | QUARTERLY LOAN YIELDS | FULL YEAR 12.2% 11.4% 10.8% 14.2% 13.5% 11.7% 10.8% 60.7% 58.5% 62.1% 61.7% 61.7% 58.5% 62.1% 39.3% 41.5% 37.9% 38.3% 38.3% 41.5% 37.9% 1Q19 4Q19 1Q20 2017 2018 2019 1Q20 Net loans, FC Net loans, FC, Net loans, GEL Net loans, GEL -Currency-blended loan yield, annualised LOAN YIELDS, LOCAL CURRENCY | QUARTERLY 18.4% 16.3% 15.6% -Currency-blended loan yield, annualised 21 LOAN YIELDS, FOREIGN CURRENCY | QUARTERLY 8.3% 7.9% 7.5% 1Q19 4Q19 1Q20 1Q19 4Q19 1Q20

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