Investor Presentaiton

RETAIL BANKING - LEADING RETAIL BANK IN GEORGIA RB Client Data Mortgage Loans Dollarisation Operating Data, GEL mln 2019 2018 2017 2016 100% 5% Number of total Retail clients, of which: 2,540,466 Number of Solo clients Consumer loans & other outstanding, volume Consumer loans & other outstanding, number 54,542 1,726 472,791 2,440,754 44,292 1,555 566,740 2,315,038 32,104 1,480 738,694 2,141,229 23% 26% 19,267 80% 42% 1,104 60% 647,441 95% Mortgage loans outstanding, volume Mortgage loans outstanding, number Micro & SME loans outstanding, volume 3,043 46,907 2,539 39,007 1,706 1,228 40% 77% 74% 26,643 16,300 58% 2,523 2,005 1,637 1,346 20% Micro & SME loans outstanding, number 81,739 68,832 53,732 36,379 0% Credit cards and overdrafts outstanding, volume 245 290 Credit cards and overdrafts outstanding, number Credit cards outstanding, number, of which: 395,012 454,512 308 480,105 291 442,487 2016 2017 2018 2019 American Express cards 395,536 99,307 547,038 105,899 673,573 97,178 800,621 79,567 ■Mortgage loans, FC Mortgage loans, GEL Credit cards and overdrafts 3.1% Net Loans by products Total: GEL 7.4bln Other 2.4% General RB Portfolio | 31 December 2019 Deposits by currency Total: GEL 5.7bln consumer loans 20.2% Micro- and agro- financing loans and SME loans 33.5% BANK OF GEORGIA Mortgage loans 40.8% Deposits by category Total: GEL 5.7bln Client Deposits, GEL 32% Client Deposits, FC 68% Time deposits 56% Current accounts and on demand deposits 44% 28

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