Investor Presentaiton

BANK OF GEORGIA GROUP BALANCE SHEET Bank of Georgia Group Consolidated Change Change GEL thousands, unless otherwise noted Dec-19 Dec-18 Sep-19 y-o-y 9-0-9 Cash and cash equivalents 2,153,624 1,215,799 77.1% 1,369,194 57.3% Amounts due from credit institutions 1,619,072 1,305,216 24.0% 1,834,195 -11.7% Investment securities 1,786,804 2,019,017 -11.5% 1,895,722 -5.7% Loans to customers and finance lease receivables 11,931,262 9,397,747 27.0% 11,339,745 5.2% Accounts receivable and other loans 3,489 2,849 22.5% 4,475 -22.0% Prepayments 42,632 44,294 -3.8% 43,795 -2.7% Inventories 12,297 13,292 -7.5% 11,257 9.2% Right-of-use assets 96,095 NMF 106,130 -9.5% Investment property 225,073 151,446 48.6% 193,499 16.3% Property and equipment Goodwill Intangible assets Income tax assets 379,788 344,059 10.4% 364,405 4.2% 33,351 33,351 0.0% 33,351 0.0% 106,290 83,366 27.5% 95,829 10.9% Other assets Assets held for sale 282 143,154 36,284 19,451 -98.6% 7,682 -96.3% 126,008 13.6% 202,426 -29.3% 42,408 -14.4% 38,987 -6.9% Total assets 18,569,497 14,798,303 25.5% 17,540,692 5.9% Client deposits and notes 10,076,735 8,133,853 23.9% 9,613,718 4.8% Amounts owed to credit institutions 3,934,123 2,994,879 31.4% 3,437,718 14.4% Debt securities issued 2,120,064 1,730,414 22.5% 2,175,820 -2.6% Lease liabilities 94,616 NMF 105,285 -10.1% Accruals and deferred income 52,471 47,063 11.5% 41,521 26.4% Income tax liabilities Other liabilities 37,918 102,662 28,855 31.4% 39,251 -3.4% 64,966 58.0% 87,520 17.3% Total liabilities 16,418,589 13,000,030 26.3% 15,500,833 5.9% Share capital Additional paid-in capital 1,618 492,072 1,618 480,555 Treasury shares (64) (51) 0.0% 2.4% 25.5% 1,618 0.0% 498,593 -1.3% (53) 20.8% Other reserves (7,481) 30,515 NMF 28,472 NMF Retained earnings 1,655,256 1,277,732 29.5% 1,502,248 10.2% Total equity attributable to shareholders of the Group 2,141,401 1,790,369 19.6% 2,030,878 5.4% Non-controlling interests 9,507 Total equity 2,150,908 Total liabilities and equity Book value per share 18,569,497 45.36 7,904 1,798,273 14,798,303 37.59 20.3% 8,981 5.9% 19.6% 25.5% 20.7% 2,039,859 17,540,692 5.4% 5.9% 42.69 6.3% BANK OF GEORGIA 68

View entire presentation