Georgia's Economic Outlook 2020

STABLE COST OF FUNDING COST OF CUSTOMER FUNDS | QUARTERLY COST OF CUSTOMER FUNDS | FULL YEAR 3.1% 3.0% 3.1% 3.5% 3.5% 3.0% 3.1% 67.1% 69.3% 72.4% 69.5% 67.5% 69.3% 72.4% 32.9% 30.7% 27.6% 30.5% 32.5% 30.7% 27.6% 1Q19 4Q19 1Q20 2017 2018 2019 1Q20 Client deposits, FC I Client deposits and notes, FC Client deposits, GEL -Currency-blended cost of client deposits, annualised O Client deposits and notes, GEL Currency-blended cost of client deposits and notes COST OF FUNDS | QUARTERLY 4.6% 4.7% 4.7% COST OF FUNDS | FULL YEAR 4.7% 4.7% 5.0% 4.6% 1Q19 4Q19 1Q20 2016 2017 2018 2019 22

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