Bank of Georgia Growth and Reform Strategy

SOLID INCOME NOTWITHSTANDING THE PRESSURE ON YIELDS Banking Business Loan Yields | quarterly Loan Yields | full year Banking Business 120% 12.8% 15% 120% 14.2% 14.2% 13.5% 15% 11.5% 11.4% 11.7% 100% 100% 80% 10% 80% 10% 61.7% 58.9% 58.5% 61.7% 61.7% 58.5% 60% 60% 71.3% 40% 5% 40% 5% 20% 38.3% 41.1% 41.5% 20% 28.7% 38.3% 38.3% 41.5% 0% 0% 0% 0% 4Q18 3Q19 Net loans, FC, consolidated 4Q19 2016 2017 2018 2019 Net loans, FC, consolidated Net loans, GEL, consolidated Currency-blended loan yield, annualised Net loans, GEL, consolidated Currency-blended loan yield, annualised Loan Yields, Foreign currency | quarterly Loan Yields, Local currency | quarterly Banking Business Banking Business 12% 25% 19.7% 10% 8.3% 8.2% 20% 7.9% 16.5% 16.3% 8% 15% 6% 10% 4% 5% 2% 0% 0% 4Q18 3Q19 4Q19 4Q18 3Q19 4Q19 BANK OF GEORGIA 14

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