
Retail Banking
CLIENT-CENTRIC AND SOLUTIONS-BASED MULTI-BRAND STRATEGY FOR MORE THAN 2.5 MILLION CLIENTS
We are the leading retail banking player in Georgia.
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Retail Banking
CLIENT-CENTRIC AND SOLUTIONS-BASED MULTI-BRAND STRATEGY FOR MORE THAN 2.5 MILLION CLIENTS
We are the leading retail banking player in Georgia, serving more than 2.5 million customers through the widest network of 267 retail branches, 933 ATMs and 3,217 Express Pay (self-service) terminals, a sales force of more than 3,200 people, along with our diverse products and services. Our Retail Banking business, the prominent component of our business, runs a client-centric and solutions-based increasingly digital multi-brand strategy, which reaches the entire spectrum of retail customers through three well-established and recognised brands:
- Express
designed to service emerging retail customers 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. - Bank of Georgia
providing long-established traditional banking services to our mass retail clients. - Solo
targeting mass affluent customers and providing a unique blend of banking and lifestyle products and services. - MSME
Bank of Georgia serves micro, small and medium size enterprises through two respectively dedicated segments under the Retail Banking business. By the end of 2019, our MSME client base grew to 220,603 customers.
For more information please visit: Annual Report

Corporate and Investment Banking
INTEGRATED SOLUTIONS FOR OUR CORPORATE AND INVESTMENT BANKING (CIB) CLIENTS
Our Bank is a leading corporate lender in the country with deep sector knowledge and local expertise.
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Corporate and Investment Banking
INTEGRATED SOLUTIONS FOR OUR CORPORATE AND INVESTMENT BANKING (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 one of the most comprehensive range of products and services in the country. We are proud to accommodate c.2,700 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 a leading trade finance business in Georgia and provides leasing services through the Bank’s wholly owned subsidiary, Georgian Leasing Company (GLC).
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 (subscribe to the research at www.galtandtaggart.com).
CIB organises quarterly industry series for its clients, where Galt & Taggart presents the industry trends and the most recent research findings. Our aim here is to share our knowledge and most up-to-date data with our clients, so that they have a full-spectre view of the country’s economic sectors and investment potential.
In 2019, Galt & Taggart participated in a competitive tender process and won a three-year exclusive mandate to manage the private pension fund of a large Georgian corporate client. In 2019, Galt & Taggart acted as a lead manager in a number of bond issuances by Development Financial Institutions (DFIs) such as the European Bank for Reconstruction and Development (EBRD), FMO – Dutch entrepreneurial development bank (FMO) and Black Sea Trade and Development Bank (BSTDB). Galt & Taggart was a co-manager of Bank of Georgia’s inaugural US$ 100 million international Additional Tier 1 (AT1) bond issuance in 2019.
In corporate advisory services, Galt & Taggart is a leading advisor in Mergers and Acquisitions (M&A) in the country.
In February 2020, Global Finance Magazine named Galt & Taggart Best Investment Bank in Georgia for the sixth consecutive year.
We think of the Group’s CIB as one of the most attractive employers for the best talent in the country. Ability to work on corporate finance and strategic topics with the diverse set of large corporates in the country excites our long-standing, as well as young talent, who choose to pursue careers at the Group companies.
This multifaceted financial and advisory services, coupled with relentless focus on providing the best-in-class services to our clients, makes us a universal bank of choice and top-of-mind adviser for Georgian corporates.
For more information please visit: Annual Report

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
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 1,557 local and international clients from 77 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 and subsidiaries in Eastern Europe, the Middle East and the UK. Our superior service, along with local economic stability, business-friendly environment, and favourable tax regime in Georgia, provides our clients with the unique opportunity to invest in Georgia. 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.
Since 2017, we have hosted or sponsored regional conferences of Wealth Management in Tbilisi and abroad. The events are aimed at introducing Georgia as a regional hub for private banking services. The prospects and challenges of making Georgia a regional banking centre are discussed within the framework of the conferences, including the investment climate in Georgia, as well as the country’s economy and banking sector. We plan to continue to actively support regional events in the future.
In January 2019, Bank of Georgia opened a new office in the centre of Tbilisi, which is dedicated to serve our Wealth Management clients.
For more information please visit: Annual Report

BNB
WELL CAPITALISED SME BANK IN BELARUS
BNB offers individual and business banking services to SMEs and middle-income retail banking customers in Belarus.
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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. Established in 1992, BNB was one of the first privately-owned commercial banks in Belarus. BNB targets wider retail penetration through digital channels in Belarus.