Investor Presentaiton

MULTICHANNEL PERFORMANCE Number of Transactions '000s 12,307 +7% 13,119 13,368 x5.7 2017 2018 2019 46,177 -17% 35,938 15,676 5,892 6,349 6,415 5,302 +80% 83,055 62,110 +35% +18% 45,935 45,443 38,810 31,148 26,101 22,990 Tellers Mobile banking Internet banking POS terminals ATMs Express branches BANK OF GEORGIA +4% 108,330 108,240 104,022 Express Pay terminals 72

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