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[Music] my presentation consists with the three parts this is as a banger background overview of Georgia in its banking sector then i'll be speaking about TBC bank and even show a short video which will give more details in color about the bank and finally I'll conclude with the SME and business banking with TBC bank now to start with I'm sure many of you and maybe most of you are familiar with the country it's a small country with 3.7 million population but due to its strategic location and due to the pace of reforms that it has been going through a couple of years it's becoming more and more recognized name among the international community maybe you'll all know that we have been going through tremendous improvements across all the areas we were named as top reformer in the world a couple of times we are one of the most transparent economies in the world meaningless corruption one of the best or friendly's tax regimes in the world and this has been human father improved with the recent government initiative to make the reinvested profit effectively tax-free in Georgia from 2017 now some more about about Georgian economy and on the left hand side are the chart shows the GDP growth and this is param f you can see that if we speak about the 2017 years the gdp is expected to grow by about five point two percent which is obviously is the best across the peer countries on the right have listed the industries that basically fuel the growth this is transport and logistics hub which Georgia now represents we have already 21 british petroleum pipeline and other is being built there is an accolade deep sea port which is being built now and it can be when used for chinese goods to be carried from china to europe obviously it's a very famous tourism destination and i don't know if you've been already as tourists in georgia all right maybe you will be in the in the future we have nice weather good since seaside unique mountings food wine obviously and and final the country is becoming a quite center or the service center in the region with advancing financial industries health care and end education now couple of words about the georgian banking sector and i have a couple of slides that pretty much characterizes the first is the penetration level and even despite the devaluation which technically increase the penetration in the all the all the pretty much all the countries in in the region penetration is still low it in fact it's the lowest across these countries and if we speak about loan to GDP it is about forty seven percent and that creates the room for the for the growth next one is the capitalization level and then the banking sector in georgia is a very well capitalized which basically means that it has enough internal resources to capture the growth that exists which i showed healthiness very importantly it's very healthy if we speak about the NPLs this is World Bank definition the npl level is three-point-three percent now all this is translated into the growth and strong profitability you can see the growth rate of last year it's nineteen point five percent the similar growth rate applies to the other years the profitability of the top banks are between 18 to 21 percent there are three more things that I'd like to highlight the first is that this sector is a very advancing from the point of view of top two banks being already listed on the London Stock Exchange premium segment and i'll be speaking about it in a couple of slides it's very resilient as well we went through couple of crisis this crisis even included war with Russia coupled with international financial crisis and local political analysts and still when we did not have a bailout we didn't have the banking bankruptcy so this is about erm about the banking sector now about the about TBC bank we are after the acquisition which are also mentioned we are the largest bank in the country / both loans and deposits our market share is about thirty five percent in loans and the same similarly in deficit it's even even larger in retail loans we cover entire country we have a only small subsidiary in Azerbaijan and we have rep office in in Israel this is our history and the bank was established in 1992 by two founder individuals by the way they founded it with five hundred dollar which appeared to be quite quite clever investment in when we see it now if since then it's been growing and achieving new milestones each year in two thousand I've C and D G became the shareholders of the bank in 2006 the bank entered the retail segment 2009 ebrd FM 0 JP Morgan an Ashmore became the shareholders 2012 we've launched we launched the new multi-channel platform the combination of internet banking mobile banking which was they do which was the game changer 14 we did our IP on and 16 we did the acquisition I mentioned the premium listing now this is the topic maybe that requires a separate presentation but very we just completed upgrade from London standard listing to London premium listing which means higher corporate governance higher transparency better reporting standards obviously it will allow us to be included in the foot syndics and enrich our extent the extended potential investors this is the acquisition that I was talking about so we are just completing the acquisition of number three prey players in the country this is called Bank Republic and you can see here that again as I said after the acquisition our shears go to 35.5 in loans and thirty four point six percent in in deposit now this acquisition is important not only because it creates the largest player in the country for both loans and deposit but also it and especially because it strengthens our strategic areas across strategic segments including retail creating the indisputable leader in retail banking and in medium and high income retail among medium and high income retail customers there are four pillars how we are different in the country and how we try to differentiate ourselves in the country the first is obviously we do banking so we are pure play we do on the banking the second is that the focus on multi-channel banking I have one more slide I show you the this is the combination of Internet Banking mobile iphone ipod banking which we try to develop best customer experience this is something that differentiates us and the strongest brand so there these are how we are trying to be different this is about multi-channel banking there are lots of information this slide maybe two things that I can highlight one is that we were even named as the world's best internet bank in two categories there were ten categories by global finance and you can find the our internet banking customer surprise them at 4.9 stars in the google play i mean at the end of the day it is it is banking right people people don't give that high price to banking so this is it on this section I will conclude with the SME and micro banking but before I do it I'd like to show a short video which will give more color to about TBC bank 25 years ago TBC bank was built with the mission to help people and businesses succeed thanks to innovative thinking TBC bank has revolutionized how banking is done in Georgia this year our branches were completely redesigned to reflect our user-friendly and transparent approach to banking constant focus on superior customer experience has made us the top service company in the country we wanted to create the next generation of digital banking to change the way people bank and bring TBC banks exceptional service to every customers living room and office giving our clients access to their accounts wherever they are our motto became anywhere anytime and we succeeded we launched TBC pay a network of more than two and a half thousand cash in self-service terminals across the country in 2015 the network processed 37 million transactions our internet banking is the best in the country in just four years more than eighty percent of all transactions went online translating into two million digital interactions a month to keep up with the demands of the younger generation our online presence is constantly upgraded we are bringing the very best of e-commerce to our digital banking one click payments for utility bills real-time search for transactions and messages clean and intuitive design clients enjoy simple online registration and fingerprint login they can instantly transfer funds using the recipients mobile phone number ideation is part of our DNA which not only makes us stand out as a bank it makes us an influencer in our community TBC bank has become one of Georgia's most trusted and well-known brands seventy percent of our customers said they would recommend TBC bank to their friends and colleagues our NPS score is the highest in the country higher than that of international retail brands and our competitors we aim to be a love mark a brand people want to be associated with we know our clients are more than just their financial needs their success is more than just the sum of their accounts we support the things that inspire them to succeed TVC bank is an exclusive partner of all winter sport resorts in Georgia and the proud partner of the Georgian national rugby team our rugby team is now competing as an equal against the strongest in the world we share the same values as the game of rugby we also believe building on success leads to victory a victory we share with our clients and community and the final part of my presentation this is regarding the SME banking we are the obviously the largest SME bank in the country we are the first bank who started to offer non financial services to our SME customers and these are the services which show adds value to customers and they are completely free of charge our customers just get them because they are our customers we me deep the D rolak there showed that we are best in net promoter score so most people would recommend TBC bank to our to to to their friends and there are other other areas which we are proud of one of them is very importantly fifty-eight percent of newly opened account in Georgia newly registered SMEs in Georgia would open account with TBC bank so this is this is pretty big number these are the market shares in SME among the top three plants we are at forty four percent this is not as important as this slide which basically shows that even we are even even we despite the fact that we are at forty-four percent our growth rate over the last couple of you know I think we have three years here has been a tremendous it's up to forty percent in loans and up to twenty-five percent in deficit pieces SME banking this is a framework how we try to differentiate our SME banking and I think this is something that applies to any business and it on the top of the the chart you will see how we are better so in standard products and services and standard offerings we just try to be better we just try to be smoother simply R and this is how how we try to differentiate ourselves however in addition to the standard product and services we also try to be different through the services and products and offerings that unique to us so it's only us who would offer this type of services this would include what what I have here on the left-hand side again valuate services to our SME customers completely free of charge that would be training for SME customers that would be networking opportunities for our SME customers dedicated internet site which would give them tools of how to launch business how to manage HR and a lot of other areas were which which we think are important for them this is the NPS that I mentioned the on the MPS core we are at fifty nine percent I think more important it is that there is a huge gap between us and the main competitor that's the example of our site this is TBC TBC business dot dot G I think you can log in and again that would provide the many tools to our businesses one of the things that we launched and this is recent this this is business award program so we would award businesses saying who is the best in her industry and you can see the real real picture and how how parked it was when we were when we were awarding the businesses next one is my last slide that summarizes our SME business first is again as I said superior customer experience we try to differentiate ourselves best-in-class product and services this is innovative offers and of course focus on on on loyalty of of our customers would be it thank you [Music]