Retail Banking

Retail Banking

CLIENT-CENTRIC, MULTI-BRAND STRATEGY FOR MORE THAN 2.4 MILLION CLIENTS

We are the leading retail banking player in Georgia.

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Retail Banking

Retail Banking

CLIENT-CENTRIC, MULTI-BRAND STRATEGY FOR MORE THAN 2.4 MILLION CLIENTS

We are the leading retail banking player in Georgia, serving more than 2.4 million customers through the widest network of 271 retail branches, 876 ATMs and 3,115 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 customers 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.
  4. MSME - Bank of Georgia serves micro, small and medium-sized enterprises (MSME) through two respectively dedicated segments under the Retail Banking business. By the end of 2018, our MSME client base grew to 195,230 customers.

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

The 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 c.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 Bank’s wholly-owned subsidiary, Georgian Leasing Company (GLC). In 2018, GLC was assigned a Long Term Issuer Default rating of “B+” with a positive outlook by Fitch Ratings.

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 both in terms of reach and the expertise that we have accumulated during 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. Galt & Taggart also publishes an extensive quarterly report on macroeconomic developments in the Georgian economy (subscription to the research on www.galtandtaggart.com).

In October 2018, Galt & Taggart, in partnership with the London Stock Exchange, organised a Georgia Investor Day in London which welcomed representatives of the Georgian private and public sectors and investor community. The event aimed to better acquaint both existing and potential investors with Georgia’s attractive investment climate, thriving economic and business environment, stable regulatory system and successful businesses.

In 2019, Global Finance Magazine named Galt & Taggart Best Investment Bank in Georgia for the fifth consecutive year. On 31 May 2018, Cbonds, one of the leading news agencies for financial data analysis and processing, named Galt & Taggart Best Investment Bank in Georgia 2018 for the third consecutive year.

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

Bank of Georgia has been active in asset and wealth management since 2005. Accommodating 1,528 local and international clients from 76 countries worldwide, our Wealth Management business provides private banking services to high-net worth individual clients and offers investment management products internationally through representative offices in Eastern Europe, the Middle East and the UK. Our superior service, along with local economic stability, business friendly environment, favourable tax regime, and confidential nature of banks in Georgia, provides our clients with the unique opportunity to invest in Georgia and many foreign customers find this proposition very attractive. The Bank believes that its Wealth Management franchise can benefit by focusing on the distribution of local debt.

In January 2019, Bank of Georgia opened an office in the centre of Tbilisi, which is dedicated to serve our Wealth Management clients. This coincides with the creation of a new brand identity for the Bank’s Wealth Management, which is based on the virtues of both Georgia and the Bank itself. The country offers a number of advantages such as stability, a liberal tax system, innovative financial services, a growing economy and security to international investors. Bank of Georgia is a leading bank that delivers strong returns, constantly innovates and is known for reliability. Our strategic focus in Wealth Management is to turn it into a regional hub for private banking and extend its client base to nearby countries. A stable business environment in Georgia and Bank of Georgia’s reputation and expertise make it a perfect bank for affluent individuals to do business with.

BNB

BNB

WELL CAPITALISED SME BANK IN BELARUS

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

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BNB

BNB

WELL CAPITALISED SME BANK IN BELARUS

JSC Belarusky Narodny Bank (BNB) offers individual and business banking services 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. BNB targets wider retail penetration through digital channels.