Investor Presentaiton

STABLE COST OF FUNDING Cost of Customer Funds | quarterly Cost of Customer Funds | full year Banking Business Banking Business 120% 3.4% 4% 120% 3.8% 3.5% 3.5% 4% 2.9% 3.0% 3.0% 100% 100% 3% 3% 80% 80% 67.5% 69.3% 69.3% 60% 2% 60% 76.8% 69.5% 67.5% 69.3% 2% 40% 40% 1% 1% 20% 20% 32.5% 30.7% 30.7% 23.2% 30.5% 32.5% 30.7% 0% 0% 0% olo olo olo olo o 0% 4Q18 3Q19 4Q19 2016 2017 2018 2019 I Client deposits, FC, consolidated Client deposits, GEL, consolidated Currency-blended cost of client deposits, annualised Cost of Funds | quarterly Client deposits and notes, FC, consolidated Client deposits and notes, GEL, consolidated -Currency-blended cost of client deposits and notes Cost of Funds | full year Banking Business Banking Business 6% 6% 5.0% 5.0% 4.7% 4.7% 4.7% 5% 4.5% 4.6% 5% 4% 4% 3% 3% 2% 2% 1% 1% 0% 0% 4Q18 3Q19 4Q19 2016 2017 2018 2019 BANK OF GEORGIA 15

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