Bank of Georgia Earnings and Strategy Update
STRONG TRANSACTIONS OFFLOADING TO DIGITAL CHANNELS*
NUMBER OF TRANSACTIONS
13
MILLIONS
Share of
93.5%
94.2%
96.0%
95.1%
96.1%
95.9%
96.2%
96.5%
96.0%
digital
transactions
+34.2%
69.6
0.1
61.7
2.8
57:7
Q.1
10.2
52.5
51.9
51.9
2.2
0.1
46.8
0.1
0.1
48.3
2.2
9.7
3.4
2.5
2.0
0.1
9.1
0.1
8.7
2.7
35.8
8.5
8.2
20
21.1 30.3%
7.3
7.4
0.1
19.6 31.7%
14
20.1 34.7%
6.1
22.5 43.3% 21.0 40.5% 16.8 34.7%
27.4 52.3% 22.9 49.0%
13.8 38.7%
18.3 35.2% 20.6 39.7% 22.2 45.9%
26.3 45.6% 30.2 48.9%
35.4 50.8%
1
12.8 24.4% 13.6 29.0% 14.3 40.0%
4Q19
1Q20
2Q20
iBank/mBank
3Q20
4Q20
1Q21
Express Pay terminals ATMs
2Q21
Branches
Other
ā
Strong presence in Georgia with our self-service Express Pay terminals
3Q21
Continuous migration of customers' activity to mBank/iBank from Express Pay terminals - c.26% of
customers' activity migrated to mBank/iBank during the past two years
Information on this slide depicts the usage of channels by individual customers
4Q21
** Includes representative offices of the Wealth Management business, which was reclassified from Corporate and Investment Banking to the Retail Banking segment in 3Q21
*** Active user - at least one login in the past three months
3,134
Express Pay terminals
+3.8% y-o-y
+0.1% q-o-q
211
Branches**
Flat y-o-y
-0.5% q-0-9
921k
mBank/iBank active users***
+21.2% y-o-y
+10.8% q-o-q
989
ATMs
+3.0% y-o-y
+0.4% q-o-qView entire presentation