Investor Presentaiton

DIVERSIFIED RETAIL PORTFOLIOS AND INCOME STREAMS 36 BALANCE SHEET | 31 MARCH 2020 JSC Bank of Georgia Standalone 32% Emerging/Mass Retail (GEL 2,668mln) 37% ■ Solo (GEL 2,504mln) ■MSME 31% (GEL 3,017min) 13% 40% Total Gross Loans GEL 8,189mln Total Deposits GEL 5,974mln Emerging/Mass Retail (GEL 2,824mln) 47% ■ Solo (GEL 2,399mln) ■MSME (GEL 751min) INCOME STATEMENT | 1920 JSC Bank of Georgia Standalone Net Interest Income GEL 118mln Emerging/Mass Retail (GEL 49mln) 31% 42% ■ Solo (GEL 32mln) 27% ■MSME (GEL 37mln) Net Fee & Commission Income GEL 24mln Emerging/Mass Retail (GEL 11min) 27% 48% ■ Solo 26% (GEL 6mln) MSME (GEL 6mln)

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