Retail banking 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. Corporate Investment Banking Our Bank is a leading corporate lender in the country, with deep sector knowledge and local expertise. Our Corporate Banking business is characterized 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. Wealth Management 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. BNB 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.