Tracking Georgia's Economic Recovery

DIVERSIFIED RETAIL PORTFOLIOS AND INCOME STREAMS 36 BALANCE SHEET | SEP-20 JSC Bank of Georgia Standalone Mass Retail 33% (GEL 2,843 mln) 37% ■Solo (GEL 2,627 mln) MSME 30% (GEL 3,190min) 13% 39% 48% ■Mass Retail (GEL 3,198mln) ■ Solo (GEL 2,624mln). ■MSME (GEL 877mln) Total Gross Loans GEL 8,660min Total Deposits GEL 6,699min INCOME STATEMENT | 9M20 JSC Bank of Georgia Standalone Net Interest Income GEL 347mln Mass Retail (GEL 147mln) 32% 42% ■Solo (GEL 88mln) 26% MSME (GEL 112mln) 20% ■Mass Retail (GEL 35mln) (GEL 20mln) MSME (GEL 14mln) ■ Solo 51% 29% Net Fee & Commission Income GEL 68mln

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