Investor Presentaiton

BNB FINANCIAL HIGHLIGHTS INCOME STATEMENT, HIGHLIGHTS GEL thousands, unless otherwise stated Change Change Change 4Q19 4Q18 3Q19 2019 2018 y-o-y 9-0-9 y-o-y Net interest income 7,194 6,471 11.2% 7,447 -3.4% 27,586 25,894 6.5% Net fee and commission income 1,602 1,356 18.1% 1,956 -18.1% 7,169 7,805 -8.1% Net foreign currency gain 6,548 5,261 24.5% 5,405 21.1% 20,688 16,605 24.6% Net other income 92 332 -72.3% 57 61.4% 463 745 -37.9% Operating income 15,436 13,420 15.0% 14,865 3.8% 55,906 51,049 9.5% Operating expenses (9,493) (8,785) 8.1% (9,135) 3.9% (35,366) (32,261) 9.6% Operating income before cost of risk 5,943 4,635 28.2% 5,730 3.7% 20,540 18,788 9.3% Cost of risk (7) 670 NMF 293 NMF (2,691) (3,069) -12.3% Net non-recurring items (46) NMF (1) NMF Profit before income tax expense 5,890 5,298 11.2% 6,022 Income tax expense (1,261) (1,163) 8.4% (1,193) Profit 4,629 4,135 11.9% 4,829 -2.2% 5.7% -4.1% (110) 17,739 (3,404) (3,545) 14,335 (717) -84.7% 15,002 18.2% -4.0% 11,457 25.1% BALANCE SHEET, HIGHLIGHTS GEL thousands, unless otherwise stated Dec-19 Dec-18 Change y-o-y Change Sep-19 9-0-9 Cash and cash equivalents 212,777 110,340 92.8% 170,787 24.6% Amounts due from credit institutions 12,742 19,664 -35.2% 22,534 -43.5% Investment securities 81,573 67,734 20.4% 101,511 -19.6% Loans to customers and finance lease receivables 580,876 432,657 34.3% 556,541 4.4% Other assets 55,102 50,155 9.9% 59,397 -7.2% Total assets 943,070 680,550 38.6% 910,770 3.5% Client deposits and notes 608,777 389,001 56.5% 588,647 3.4% Amounts owed to credit institutions 144,621 162,823 -11.2% 132,648 9.0% Debt securities issued 69,438 38,163 82.0% 72,931 -4.8% Other liabilities 11,038 5,300 108.3% 8,239 34.0% Total liabilities Total equity Total liabilities and equity 833,874 595,287 40.1% 802,465 3.9% 109,196 85,263 28.1% 108,305 0.8% 943,070 680,550 38.6% 910,770 3.5% BANK OF GEORGIA 69

View entire presentation