Bank of Georgia Financial Analysis

CIB LOAN YIELD, COST OF DEPOSITS & NIM CIB Loan Yield I quarterly CIB Loan Yield I full-year 15% 12.3% 13.5% 12.8% 15% 12.8% 13.1% 11.2% 10.8% 9.8% 11.0%10.2% 9.2% 10.7% 10.2% 10.3% 9.6% 10% 10% 5% 5% 0% 0% Loan Yield ■4Q17 Loan yield, GEL 3Q18 4Q18 Loan yield, FC Loan Yield Loan yield, GEL 2017 2018 Loan yield, FC CIB Cost of Deposit I quarterly CIB Cost of Deposit I full-year 8% 6.6% 6.6% 6.2% 8% 6.6% 6.4% 6% 4.0% 4.4% 4.0% 6% 4.0% 4.1% 4% 2.5% 2.4% 2.3% 2.7% 2.4% 4% 2% 2% 0% 0% Cost of deposits Cost of deposits, GEL Cost of deposits, FC 4Q17 3Q18 4Q18 Cost of deposits Cost of deposits, GEL Cost of deposits, FC 2017 2018 CIB NIM I quarterly CIB NIM I full-year 4% 3.5% 3% 3.4% 3.2% 5% 3.4% 3.3% 4% 2% 3% 1% 2% 0% 1% 4Q17 3Q18 4Q18 2017 2018 BANK OF GEORGIA 32

View entire presentation