Retail Banking Financial Update

DIVERSIFIED RETAIL PORTFOLIOS AND INCOME STREAMS BALANCE SHEET | DEC-20 JSC Bank of Georgia Standalone Mass Retail 33% 37% (GEL 2,955min) ■Solo (GEL 2,731mln) MSME 30% (GEL 3,295min) 13% 39% 48% Mass Retail (GEL 3,407min) Solo (GEL 2,736mln) MSME (GEL 958mln) Total Loans GEL 8,982min Total Deposits GEL 7,102mln • INCOME STATEMENT | 2020 JSC Bank of Georgia Standalone ■Mass Retail (GEL 201mln) Net Interest Income GEL 474min 33% 43% ■ Solo 24% 19% (GEL 115min) ■MSME (GEL 157mln) Mass Retail ■ Solo 53% 28% (GEL 51mln) (GEL 27mln) ■MSME (GEL 18mln) Net Fee & Commission Income GEL 96mln 69

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