Retail Banking

Retail Banking

Client-centric, multi-brand strategy for our c.2.4 million clients

We are the leading retail banking player in Georgia, serving c.2.4 million clients through the widest network of 277 retail branches.

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Retail Banking

Retail Banking

Client-centric, multi-brand strategy for our c.2.4 million clients

We are the leading retail banking player in Georgia, serving c.2.4 million clients through the widest network of 277 retail branches, 842 ATMs and 2,825 Express Pay (self-service) terminals, a sales force of more than 3,000 people, along with our diverse products and services. Our Retail Banking business, the prominent component of our business, runs a client-centric, multi-brand strategy, which reaches the entire spectrum of retail clients through three well-established and recognised brands:

  1. Express – designed to service emerging retail clients with minimal incremental operational costs through cost-efficient distance channels such as our Express Pay terminals, internet and mobile banking and technology-intensive Express branches;
  2. Bank of Georgia – providing long-established banking services to our mass retail clients; and
  3. Solo – targeting mass affluent clients and providing a unique blend of banking and lifestyle products and services.

For more information please visit: Annual Report

Corporate Investment Banking

Corporate Investment Banking

Integrated solutions for our CIB clients

Our Bank is a leading corporate lender in the country, with deep sector knowledge and local expertise.

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Corporate Investment Banking

Corporate Investment Banking

Integrated solutions for our CIB clients

Our Bank is a leading corporate lender in the country, with deep sector knowledge and local expertise. Our Corporate Banking business is characterised by outstanding flexibility in meeting our corporate clients’ needs and offers the most comprehensive range of products and services in the country. We are proud to accommodate more than 2,500 businesses in Georgia and play our part in developing various sectors of the economy such as trade, energy, industry and tourism, among others. Corporate Banking additionally serves as the country’s leading trade finance business and provides leasing services through the Group’s wholly-owned subsidiary, Georgian Leasing Company.

We are at the forefront of capital markets development in Georgia. We aim to leverage our superior knowledge and capital markets capabilities in the Georgian and neighbouring markets in terms of both reach and expertise that we have accumulated over the past several years through our corporate advisory, debt and equity capital market research and brokerage practices united under Galt & Taggart, a wholly-owned subsidiary of the Group.

Our brokerage business serves regional and international markets, including hard-to-reach frontier economies. Our macro and sectoral research currently covers various sectors of the Georgian economy and developments taking place in regional economies. In addition, since August 2017, Galt & Taggart publishes an extensive quarterly report on macroeconomic developments in the Georgian economy, followed by a conference call hosted by Galt & Taggart for interested stakeholders to discuss the developments (subscription to the research on www.galtandtaggart.com).

Wealth Management

Wealth Management

We are an established leader of investment management services in georgia

We have been active in asset and wealth management since 2005.

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Wealth Management

Wealth Management

We are an established leader of investment management services in georgia

We have been active in asset and wealth management since 2005. Accommodating 1,438 local and international clients from 74 countries worldwide, our Wealth Management business provides private banking services to our high net-worth individual clients and offers investment management products internationally through representative offices in Eastern Europe, the Middle East and Great Britain. The unique offer of the Bank of Georgia provides our clients with the opportunity of investing in Georgia, which many foreign customers perceive as very attractive. As Georgia has a pay-as-you-go pension system, the Bank believes that its wealth management franchise can benefit by focusing on the distribution of local debt.

In May 2017, we held the first regional conference of Wealth Management in Tbilisi. The event aimed to introduce Georgia as a regional hub for private banking services. The prospects and challenges of making Georgia a regional banking centre were discussed, including the investment climate in Georgia, the country’s economy and the banking sector. The conference was attended by leading financial institutions from the countries of Europe and the Middle East, including Israel and Russia, as well as by international clients and professionals with legal and taxation backgrounds.

BNB

BNB

WELL CAPITALISED SME BANK IN BELARUS

Belarusky Narodny Bank (BNB) offers individual and business banking services.

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BNB

BNB

WELL CAPITALISED SME BANK IN BELARUS

Belarusky Narodny Bank (BNB) offers individual and business banking services principally to SMEs and middle-income retail banking customers in Belarus. BNB was one of the first privately-owned commercial banks in Belarus, established in 1992. The Group increased its ownership of BNB from 79.99% in 2016 to 99.98% in 2017. The Group is exploring options for realising value from BNB, as it is not located in our core region of focus.