Client-centric, multi-brand strategy Branch operating model Customer-centric approach Client Universal banker Products Mortgages Deposits Current accounts Credit cards Consumer loans Retail Banking customer segmentation Service model Number of customers Number of branches Number of product categories 44.3k 12 SOLO financial3600 1,662.5k Mass Retail + 94 planning Mass Retail Product- centric cross-selling 538.7k Emerging Retail + 165 Emerging Retail 26 Annual Report 2018Bank of Georgia Group PLC