Bank of Georgia Growth and Reform Strategy

BANK OF GEORGIA GROWING ECONOMY SUPPORTS HEALTHY CREDIT GROWTH Banking sector corporate & retail loans to GDP Source: NBG, Geostat Mortgage loans Source: NBG 70% 106,370 Retail loans to GDP 60% Corporate loans to GDP 7,048 6,031 92,980 31,720 50% 72,140 33% 4,315 35,990 33% 79.0% 40% 27% 30% 3,506 49,410 23% 80.1% 32,680 30% 20% 17% 91.7% 74,650 11% 12% 13% 36,060 87.2% 56,990 20% 31% 21.0% 39,470 10% 17% 17% 18% 19% 21% 24% 26% 25% 27% 19.9% 8.3% 13,360 12.8% 2016 2017 2018 2019 2016 2017 2018 2019 0% 180 160 140 120 100 80 60 40 Inflation adjusted real estate price index (2010=100, GEL) Real wage index (2010-100, GEL) Real estate price index ■FX-denominated mortgage loans, share in total ■GEL-denominated mortgage loans, share in total • Total mortgage loans, GEL mn Number of mortgage loans in FX Number of mortgage loans in GEL • Total number of mortgage loans Source: NBG, Geostat 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 55

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