Retail Banking Financial Update

PAYMENTS AS A DAILY TOUCHPOINTS WITH CUSTOMERS NUMBER OF PAYMENT VOLUME OF PAYMENT TRANSACTIONS TRANSACTIONS AT BOG TERMINALS AT BOG TERMINALS MILLIONS 100 GEL MILLIONS 83 62 46 31 2,555 2,671 1,937 1,406 926 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 49% Market share by number of transactions in POS terminals 2020* +2% YoY *Based on the National Bank of Georgia and Bank of Georgia data for 2020 47% Market share by volume of transactions in POS terminals 2020* +1% YoY c.23k Multifunctional POS terminals c.2.4mln Mass Retail and SOLO customers 18

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