Banking Sector Financial Highlights

Borrowers and FX risk % is given for Bank of Georgia standalone gross loan portfolios Retail Banking GEL loans (% of segment portfolio) 76.7% FC loans exposed to FX risk* (% of segment portfolio) 18.1% FC loans with no exposure to FX risk (% of segment portfolio) 5.1% Mortgages 30.8% 14.0% 3.7% Consumer loans 44.2% 4.1% 1.3% SME Banking 57.4% 41.2% 1.5% Corporate 26.7% 33.1% 40.2% Banking Total 56.5% 28.4% 15.1% *Loans disbursed in FC when a borrower's income is in GEL 44

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