1. TBC BANK
Georgian - Austrian Business Forum
16 May, 2018

2. TABLE OF CONTENT TBC BANK OVERVIEW1
TBC BANK OVERVIEW 2
GEORGIAN ECONOMY AND BUSINESS SECTORS 2

3. 1 TBC BANK KEY HIGHLIGHTS #1 Bank in Georgia by all key metrics
The largest
Bank in Caucasus Region
Serving more than 75% of the country’s adult population
Loan market
share of 38%
NBG Data
Caucasus Region in this context comprises Georgia, Azerbaijan and Armenia
Source: Geostat, adult population means people over 19 years 3

4. BB- / Stable (FC Long Term IDR)1
TBC BANK AT A GLANCE
Key Facts
Financial highlights (consolidated figures)
GEL mln USD mln
Total assets , ,002
Customer loans (gross) , ,300
Customer deposits , ,016
Shareholders' equity ,
Market position: The leader in the Georgian banking market
#1 bank by all key metrics
Awarded "Best Bank in Georgia" for 14 of the last 16 years* (30 awards in total)
Customer base: Strong operations across all the major market segments in Georgia
More than 2.2 million customers in retail, MSME and corporate segments
Distribution: c.7,100 employees across the entire distribution network
159 branches (including TBC Kredit branches)
480 ATMs (around 1,150 including partner banks)
14,824 POS terminals & 2,790 Cash-in terminals
Operations: banking in Georgia and
Non-banking subsidiaries in Georgia in brokerage and leasing segments, card processing and cash-in terminal services
Subsidiaries in Azerbaijan (TBC Kredit) and Israel (TBC Invest)
Key figures*
(Dec 31, 2017)
Key ratios
(YE 2017)
ROE %/21.4%**
Cost-income ratio %/40.3%**
NPL ratio %
Net L/D+IFI funds ratio 92.5%
Basel III Tier 1 ratio (CAR) 10.3%
BB- / Stable (FC Long Term IDR)
B (FC Short Term IDR)
(affirmed on 4 May 2017)
Ratings
Ba3 /NP(Bank Deposits – Fgn Curr)
Ba2 (Bank Deposits – Dom Curr)
(affirmed on 13 September 2017)
(*) Exchange rate used: USD/GEL as at 31 Dec 2017
(**) underlying ratios
TBC Bank Group PLC Shareholding Structure
TBC Bank Group PLC owns 98.67% of JSC TBC Bank’s shares
Note: Market position, number of customers as at 31 Dec 2017, distribution network related figures as at 31 Dec 2017; (*) The Banker Awards (2002, 2003, 2004, 2005, 2010, 2011, 2014, 2016, 2017), Euromoney (2011, 2012, 2014, 2015, 2016, 2017),
Global Finance magazine (2004, 2006, 2007, 2012, 2013, 2014, 2015, 2016, 2017), EMEA Finance (2011,2012,2013,2014, 2015, 2016). 4

5. 1 PORTFOLIO GROWTH AND MARKET SHARE DEVELOPMENT
LOAN PORTFOLIO GROSS* (GEL MLN)
MARKET SHARE OF LOAN PORTFOLIO** (GROSS, %)
CAGR: 32%
38.8
38.2
31-Dec-14
31-Dec-15
31-Dec-16
31-Dec-17
36.3
34.6
3,706
4,639
7,359
8,553
8,553
31-Dec-14
31-Dec-15
31-Dec-16
31-Dec-17
Strong and steady growth translated into 38% of total loan share on Georgian market
DEPOSIT PORTFOLIO (GEL MLN)
MARKET SHARE OF DEPOSITS*
112%
111%
114%
109%
39.8
37.8
CAGR: 34%
34.1
31-Dec-14
31-Dec-15
31-Dec-16
31-Decp-17
33.7
6,455
7,817
7,817
3,222
4,178
31-Dec-14
31-Dec-15
31-Dec-16
31-Dec-17
Total Deposits
Loan to deposit
* Loan portfolio excluding bonds
** Market share of legal entities, based on NBG data
IFRS Figures 5

6. 1 THE LEADER IN THE GEORGIAN BANKING MARKET Market share
(31 Dec. 2017)
Total assets
36.4%
34.4%
Total loans
38.2%
32.4%
Loans to Legal Entities
36.0%
28.9%
Loans to individuals
40.2%
35.5%
Total deposits
39.8%
33.9%
NBG Data 6

7. TABLE OF CONTENT GEORGIAN ECONOMY AND BUSINESS SECTORS1
TBC BANK OVERVIEW 2
GEORGIAN ECONOMY AND BUSINESS SECTORS 7

8. 2 8

9. ACCELERATED ECONOMIC GROWTH
Real GDP Growth Rate
Selected Macroeconomic Data
5.2
4.9
4.1
1.1
0.1
1.8
5.4
7.1
6.2
6.7
Real GDP Growth Forecast 2018
Exchange rate and Foreign Trade
Selected BOP Items
Government Debt to GDP and Tax Revenue
NBG: 4.5%
EBRD: 4.5%
IMF 4.2%
USD/GEL exchange rate was at 2.59 at 31 December 2017, appreciated by 2.1% YoY
Exports: up by 29.1% YoY in 2017
Imports: up by 9.4% YoY in 2017
4.8% in FY 17*
2.9% in FY 15
2.7% in FY 16
Number of tourists increased by 27.9% YoY in 2017
Remittances increased by 19.8% YoY in 2017
FDI amounted to USD 1,346 mln in 9m 2017*
International reserves at around 4.0 months of imports of goods and services in 2017
Gross external public debt to GDP: 34.8% in 2017
External & domestic public debt to GDP: 44.1% in 2017
Tax revenues: up by 11.3% YoY in 2017
Inflation (YoY)
*Initial estimates of Geostat
Monetary Policy Rate
Georgian Imports and Exports
Georgian imports by country (2017, %)
Georgian exports by country (2017, %)
*Data for the full year is not disclosed yet 9
Sources: Geostat, NBG, Ministry of Finance 6

10. 2 10

11. 2 GDP COMPOSITION BY SECTORS 11
Diverse economy leveraging from strong growth potential in Energy, Manufacturing, Transport & Communication and Hospitality sectors
Wholesale & retail trade (17%) and Manufacturing (14%) are the largest sectors of Georgian Economy
Construction, Real Estate and Financial Intermediation sectors are the fastest growing sectors of Georgian Economy
Energy, Manufacturing, Transport and Communication sectors offer significant growth potential
Year by year increasing number of tourists provides strong growth potential in Hotel and Restaurants sector
Source: Geostat; GDP at Current prices
(*) Source: Geostat (2017 year data)
(**) Based on CAGR (Financial Intermediation 9.8%, Real Estate 7.1%, Hotels and restaurants 8.1%, Construction 7.4%)
(***) Based on disclosed priorities of the government of Georgia 11

12. 2 STRONG PRESENCE ACROSS ALL SECTORS OF ECONOMY 12
Total corporate loan portfolio of GEL 2.5 b spread across 16 economic sectors
TBC Corporate loan portfolio is well diversified with largest sector holding 13% share in total Corporate loan portfolio
Real Estate sector which is one of the fastest growing sectors of Georgian Economy has the largest share in TBC Corporate loan portfolio
Energy, Hospitality & Leisure which are one of the most promising and fastest growing sectors of Georgian Economy have 12% and 9% shares in TBC Corporate loan portfolio, respectively
IFRS, YE 2017 12