Investor Presentaiton

Express - emerging retail banking | How Express works 1 110 Express Branches 1,053,564 Express Cards for Transport payments 3 • • Opening accounts and deposits Issuing loans and credit cards Credit card and loan repayments Cash deposit into accounts . Money transfers • Utility and other payments 2,354 Express Pay Terminals . EXPRESS PAY • Credit card repayments Loan repayments Cash deposit into accounts Loan activation Utility and other payments Mobile top-ups MetroMoney top-ups Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 საქაF3ECL განქ EXPRESS BANK OF GEORGIA PAY EXPRESS CARD 5488 VALID THRU MasterCard Metro Tbilisi Acts as payments card in metro, buses and mini-buses LOL 606 BANK OF GEORGIA EXPRESS BUSINESS 7,685 POS Terminals at 3,157 Merchants EXPRESS PAY 5583 LO MasterCard Payments via cards and Express points P2P transactions between merchant and supplier Credit limit with 0% interest rate 2 4 page 72

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