Georgia's Economic Outlook 2020

STRONG LIQUIDITY GEL millions LIQUID ASSETS TO TOTAL LIABILITIES LCR AND NSFR 27 JSC Bank of Georgia standalone (Basel III Liquidity) 133.6% 38.3% 34.9% 33.9% 125.5% 30.5% 120.1% 11,355 13,000 100.3% 16,419 17,616 5,560 5,379 4,347 4,540 31-Dec-17 Liquid assets 31-Dec-18 31-Dec-19 Total liabilities 31-Mar-20 Liquid assets to total liabilities NET LOANS TO CUSTOMER FUNDS & DFIS 109.4% 115.5% 118.4% 121.3% 103.2% 104.9% 99.6% 89.0% 31-Dec-17 31-Dec-18 31-Dec-19 31-Mar-20 Net loans to customer funds & DFIs Netloans to customer funds GEL millions 31-Dec-17 31-Dec-18* 136.7% 123.5% 132.5% 121.2% 31-Dec-19* 31-Mar-20* Liquidity coverage ratio Net stable funding ratio * 2018-2020 ratios are calculated for standalone Bank of Georgia according to NBG guidelines CUMULATIVE MATURITY GAP | 31 MARCH 2020 1,245 1,144 174 (320) (3,734) (1,838) 6.3% 5.8% 0.9% On 0-3 Demand Months 3-6 Months -1.6% 6-12 Months 1-3 Years >3 Years -9.3% -19.0% Maturity gap Maturity gap, as % of total assets

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