Bank of Georgia Financial Analysis

RETAIL BANKING - LEADING RETAIL BANK IN GEORGIA Operating Data, GEL mln Number of total Retail clients, of which: Number of Solo clients Consumer loans & other outstanding, volume Consumer loans & other outstanding, number Mortgage loans outstanding, volume Mortgage loans outstanding, number Micro & SME loans outstanding, volume RB Client Data RB Portfolio | 31 Dec 2018 Net Loans by products Total: GEL 6.3bln Credit cards and overdrafts 2018 % of clients 2017 2016 2015 2,440,754 44,292 1,555 1.8% 566,740 23.2% 2,539 39,007 1.6% 2,315,038 32,104 1,480 738,694 1,706 26,643 2,141,229 19,267 1,104 647,441 1,999,869 11,869 836 625,458 1,228 16,300 809 12,857 23.2% of total clients 2,005 1,637 1,346 904 Micro & SME loans outstanding, number 68,832 2.8% 53,732 Credit cards and overdrafts outstanding, volume 290 Credit cards and overdrafts outstanding, number Credit cards outstanding, number, of which: 454,512 18.6% 308 480,105 547,038 American Express cards 105,899 22.4% 4.3% 673,573 97,178 36,379 291 442,487 800,621 79,567 19,045 306 435,010 754,274 100,515 4.3% General consumer loans 21.1% 18.6% of total clients Other 2.7% Mortgage loans 40.4% Micro- and agro- financing loans and SME loans 31.5% 1.6% of total clients 2.8% of total clients RB Loans GEL millions GEL millions RB Deposits +24.2% +32.8% 7,000 5,000 6,267 4,339 6,000 5,044 4,000 3,267 5,000 3,902 3,000 4,000 2,414 2,796 1,880 3,000 2,000 2,000 1,000 1,000 O O 2015 2016 2017 2018 2015 2016 2017 2018 BANK OF GEORGIA Deposits by currency Total: GEL 4.3bln Client Deposits, GEL Deposits by category Total: GEL 4.3bln 30% Client Deposits, FC 70% Time deposits 56% Current accounts and on demand deposits 44% 27

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