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Investor Presentaiton

Diverse and experienced management team creating opportunities 54 Ana Kostava, Chief Legal Officer With the Group since 2018. Prior to her recent appointment, Ms Kostava served as Chief Legal Officer of the Bank under the direct supervision of the Deputy CEO, Chief Risk Officer, since June 2020. Before joining the Bank, held various positions in local and international companies. Ms Kostava is an Associate Lecturer at Free University of Tbilisi. Holds an LLM from the University of Cambridge. Levan Kobakhidze, Chief Digital Officer With the Group since 2018. Prior to joining the Bank, held various positions, including as Chief Digital Officer at a telecommunications company and as head of business development at a venture capital firm. Holds an undergraduate and master's degrees from Tbilisi State University and an master's degree in global strategy and leadership from Hult International Business School. Nutsa Gogilashvili, Head of Customer Experience and HCM With the Group since 2016. Previously, Head of Strategic Processes of Corporate and Investment Banking and Head of Customer Experience Management at the Bank. Prior to joining the Group, held various senior positions in local and international financial institutions. Holds an MSc in Finance from Bayes Business School (formerly Cass) in London. Zurab Masurashvili, Head of SME Business Banking With the Group since 2015. Previously, Head of Express Business, Head of MSME Business, Head of Retail Business at the Bank. Prior to joining the Group, held several positions in international organisations - EBRD, the World Bank, GTZ, served as Deputy Chairman of the Board of Directors at Privat Bank. Holds a degree in Geology from Georgian Technical University. Levan Gomshiashvili, Chief Marketing Officer With the Group since 2019. Founder of HOLMES&WATSON, a creative agency, where he served as Account Manager for clients in banking and other sectors. Founder of Tbilisi School of Communication. Started his career at the Georgian Railway, covering advertising and project management. Holds an MSc in Management from the University of Edinburgh. ** Andro Ratiani, CEO of Digital Area With the Group since 2018. Previously, Head of Innovations at Bank of Georgia, Global Head of Product Management at IHS Markit. Has experience working in various global companies, including UBS AG Investment & Wealth Management Bank in New York, Wells Fargo. Holds an master's degree in technology management from Columbia University.
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