Tracking Georgia's Economic Recovery

GEL millions STRONG LIQUIDITY LIQUID ASSETS TO TOTAL LIABILITIES LCR AND NSFR 26 JSC Bank of Georgia standalone (Basel III Liquidity) 38.3% 34.9% 33.9% 33.7% 11,355 13,000 133.6% 136.7% 147.0% 125.5% 16,419 18,796 132.5% 137.5% 100.3% 120.1% 4,347 4,540 5,560 6,340 Dec-17 Liquid assets Dec-18 Total liabilities Dec-19 Sep-20 Liquid assets to total liabilities NET LOANS TO CUSTOMER FUNDS & DFIS 115.5% 118.4% 109.4% 104.9% 103.2% 99.6% 89.0% 92.1% Dec-17 Dec-18 Dec-19 Sep-20 Net loans to customer funds & DFIs Net loans to customer funds GEL millions Dec-17 Dec-18 Liquidity coverage ratio Dec-19 Sep-20 Net stable funding ratio * 2018-2020 ratios are calculated for standalone Bank of Georgia according to NBG guidelines CUMULATIVE MATURITY GAP | SEP-20 1,944 9.2% 1,419 6.7% 1,050 1,497 7.1% -11.0% 5.0% -14.6% (3,097) (2,338) On Demand 0-3 Months 3-6 Months Maturity gap - 6-12 Months Maturity gap, as % of total assets 1-3 Years >3 Years

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