Investor Presentaiton

RETAIL BANKING | DIGITAL PENETRATION mBank/iBank statistics Number of Active Users | '000 Number of transactions (millions) mBank 569 12.8 15,000.00 საქართველოს ბანკის 481 506 10.8 მობილბანკი შენი 23.000.00 .000.00 452 417 9.5 მობილური ცხოვრებისთვის 15,000 8.1 7.0 www.mBank.ge 11.5 9.5 8.2 6.7 5.5 1.5 1.4 1.3 1.3 1.3 4Q18 1Q19 2Q19 3Q19 4Q19 4Q18 1Q19 2Q19 3Q19 4Q19 iBank mBank Digital vs non-digital transactions Number of transactions in millions Transactions breakdown by channel | 2019 49.1 7% 45.0 45.6 21% 42.1 41.5 16% 93.2% share of digital transactions 3.7 3.2 3.3 3.2 3.4 4Q18 1Q19 2Q19 3Q19 4Q19 - Through tellers -Through digital channels 56% mBank/iBank ATMs BANK OF GEORGIA Information on this slides depicts the usage of digital and non-digital channels by individual customers Express pay terminals Branches +8.5% YoY -7.9% YoY 65.00 518:00-2 760C 30

View entire presentation