Investor Presentaiton

CIB LOAN YIELD, COST OF DEPOSITS & NIM CIB Loan Yield I quarterly CIB Loan Yield I full year 15% 10% 12.8% 12.5% 13.1% 11.5% 15% 12.0% 9.8% 8.9% 9.2% 9.2% 8.4% 8.5% 10.2% 9.1% 9.6% 8.6% 10% 5% 5% 0% 0% Loan Yield Loan yield, GEL 4Q18 3Q19 4Q19 Loan yield, FC Loan Yield 2018 Loan yield, GEL 2019 Loan yield, FC CIB Cost of Deposit I quarterly CIB Cost of Deposit I full year 10% 10% 6.2% 5.6% 6.1% 6.4% 5.8% 4.1% 5% 4.0% 3.2% 3.3% 5% 3.3% 2.4% 1.8% 2.3% 1.8% 1.7% 0% 0% Cost of deposits Cost of deposits, GEL Cost of deposits, FC 4Q18 3Q19 4Q19 Cost of deposits Cost of deposits, GEL Cost of deposits, FC 2018 2019 CIB NIM I quarterly CIB NIM I full year 5% 5% 3.8% 3.6% 3.3% 4% 3.2% 3.2% 4% 3% 3% 2% 2% 1% 1% 4Q18 3Q19 4Q19 2018 2019 BANK OF GEORGIA 35

View entire presentation