Bank of Georgia Financial Analysis

CORPORATE INVESTMENT BANKING LOAN BOOK & DEPOSITS Highlights Portfolio breakdown | 31 December 2018 Loans by sectors ☐ Leading corporate bank in Georgia Integrated client coverage in key sectors c.2,500 corporate clients served by dedicated relationship bankers Mining and quarrying 4.1% Financial intermediation ✓ 1.5% Health and social work 3.6% Other 8.2% Construction 10.0% Manufacturing 32.8% Electricity, gas and water supply 2.7% Transport & Communication_ 2.0% Hospitality 7.0% Trade 16.0% Real Service estate 3.1% 9.0% GEL millions 4,000 Loans & Deposits Deposits by category 3,457 3,473 2,618 3,500 3,059 2,871 3,000 2,395 2,500 2,211 2,260 2,000 1,500 1,000 500 O 2015 2016 2017 2018 Net loans, CIB Client deposits, CIB BANK OF GEORGIA Top 10 CIB borrowers represent 34.5% of total CIB loan book Top 20 CIB borrowers represent 49.0% of total CIB loan book Deposits by currency Time deposits Current Client Deposits, 38.5% Client accounts and demand GEL deposits 61.5% deposits, 38.8% FC 61.2% 31

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