Strategic ReportStrategic ReportStrategic Report Financial Additional Overview Strategy Performance Governance Statements Information Omni-channel experience Digital vs. non-digital transactions Currently, we are developing an omni-channel digital Number of transactions in millions experience within Bank of Georgia’s primary website www.bankofgeorgia.ge, which will be completely redesigned and revamped in order to make it comprehensive and useful. 14.2 11.5 12.2 The updated website, which we will introduce in 2019, will 10.3 10.5 be a one-stop-shop space for all products and services that Bank of Georgia offers. Importantly, the website will come with fully integrated internet banking platforms for both our 3.0 2.7 3.6 3.4 3.7 retail and corporate clients. With a single login, a client will be able to navigate to any of the digital platforms he or she 4Q17 1Q18 2Q18 3Q18 4Q18 desires. Once logged in, a client will be able to easily apply for any product from the menu and since the client’s data automatically flows from other digital channels, filling theThrough digital channelsThrough tellers application will be as easy and enjoyable as never before. To make the experience even more worthwhile, the website will offer product comparison pages, calculators, currency conversion widgets, GPS location, and more. 78.4% Internet bank (iBank) Off-load rate* Volume of transactions +44.7% y-o-y up from 74.9% y-o-y 2.0bln mBank – Consumer Digital Bank of Distinction Number of transactions -8.2% y-o-y 5.9mln Number of users +34.5% y-o-y 295,226 Mobile bank (mBank) Volume of transactions +186.1% y-o-y 2.0bln Number of transactions +146.9% y-o-y 15.7mln Number of users +88.3% y-o-y 333.698 In 2018, Bank of Georgia was awarded with a Consumer Digital Bank of Distinction Award from Global Finance in Central and Eastern Europe, for the second consecutive year. *Percentage of transactions executed through remote channels. Annual Report 2018Bank of Georgia Group PLC 39