Georgia's Economic Outlook 2020

RETAIL BANKING | DIGITAL PENETRATION MBANK/IBANK STATISTICS Number of Active Users | '000 Number of transactions (millions) mBank iBank mBank 620 საქართველოს ბანკის 569 13.6 მობილბანკი შენი 452 481 506 12.8 მობილური ცხოვრებისთვის 15.000 10.8 9.5 8.1 www.mBank.ge 11.5 12.5 6.7 8.2 9.5 1.4 1.3 1.3 1.3 T T 1Q19 2Q19 3Q19 4Q19 1Q20 1Q19 2Q19 3Q19 4Q19 11 1Q20 DIGITAL VS NON-DIGITAL TRANSACTIONS Number of transactions in millions 15.000.00 Transactions breakdown by channel | 1Q20 45.0 45.6 41.5 49.1 44.0 ■mBank/iBank 6% 16% 3.2 3.3 3.2 3.4 2.7 Express pay terminals 94.2% share of digital transactions ATMs 1Q19 2Q19 3Q19 4Q19 1Q20 -Through tellers -Through digital channels Information on this slide depicts the usage of digital and non-digital channels by individual customers Branches 49% 29% 85.00 5600 e Te 37 +10.9% YoY -10.7% YoY

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