Investor Presentaiton

GEL millions RETAIL BANKING LOANS AND DEPOSITS Market share - Loans* Market Share - Deposits * 38.8% 37.5% 34.9% 35.5% 40.3% 36.9% 34.6% 33.0% 2016 2017 2018 2019 2016 2017 2018 2019 Retail Banking Loans +18.5% 8,000 7,428 7,000 6,267 6,000 5,044 5,000 4,000 3,902 3,000 2,000 1,000 2016 2017 2018 2019 BANK OF GEORGIA * Market shares by Loans and Deposits to Individuals GEL millions Retail Banking Deposits +31.7% 8,000 7,000 5,713 6,000 5,000 4,339 4,000 3,267 3,000 2,414 2,000 1,000 2016 2017 2018 2019 26

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