General overview about banking sector

It is noteworthy that the country's banking sector is healthy and it has enough buffers of capital and liquidity,
which have been gradually accumulating as a result of the consistent oversight policy of the National Bank. Also,
the volume of inactive loans in the whole portfolio is low and in recent years the banking sector has been
characterized by stable profitability. Importantly, the policies of the National Bank and the government have
reduced the dollarization of foreign currency loans to individuals, which reduces the vulnerability of our
population to exchange rate fluctuations. And as a result of the introduction of a responsible lending framework,
citizens face today's challenges with less and more adequate debt.

National Bank Supervision Plan regarding COVID-19

The National Bank's action plan envisages the use of the capital sector's liquidity and liquidity buffers during times
of financial stress. This means a reduction in existing capital and liquidity requirements, which will allow the
banking sector to neutralize potential losses through these buffers and continue normal business activities and
lending to the real economy. The banking sector has a capital buffer of GEL 4 billion above the minimum
requirements, which can be fully released if needed. According to the oversight plan, commercial banks will be
relieved of their capital requirements by abolishing the capital conservation buffer (2.5% of the weighted assets at
risk) and the Pillar 2 buffer portion (2/3 of the non-hedged credit risk buffer). The banking sector will release $ 1.6
billion in capital, which could be used to offset potential losses or lend $ 16 billion to the economy. To alleviate
capital requirements by the National Bank, banks should not use dividends, stock repurchases, equity investments,
growth management bonuses, or other payments that will reduce the bank's capital. It should also be noted that the
National Bank of Georgia has significantly softened its supervisory requirements regarding the offers offered by
commercial banks to cover the grace period of the loan repayment period, so that the banks would have maximum
flexibility in the process of deferring obligations to citizens. 29.04.2020 the decision of the Committee on Monetary
Policy (at the refinancing rate) was adopted to 8.5%.

2020
Date Change (PP)  New rate (%)
 29.04.2020  -0.50  8.50
18.03.2020 0 9.00
29.01.2020 0  9.00 

Bank of Georgia & Covid19

1. Favorable period for loans: Individuals will not pay their credit obligations for 3 months.
2. Support in the field of tourism: It is important for the bank to maximize the potential of the hotel business
in the country, as well as in the areas of tourism and hospitality. Which is why the Bank of Georgia
presents a platform - www.argacherde.ge Bank of Georgia offers a platform to support businesses in the
fight against COVID 19.
In order for businesses to be able to minimize financial losses in the current situation and also to cover
operating costs, Bank of Georgia offers them a platform https://argacherde.ge, where they will be able to
register and offer their products or services at a special price to customers. . The customer will be able to
use the offer after life returns to normal and businesses will continue to operate successfully. The idea of
the initiative is to stand by businesses today so that they can operate tomorrow. The platform gives
 customers the opportunity to make their own contribution to the support of local businesses by purchasing
the desired product or service, and also to enjoy a special discount.
3. Increased limit on contactless payments: At the initiative of the Bank of Georgia, the limit of contactless
payments on Visa / MasterCard / American Express type cards has been increased to 100 GEL; This will
help you avoid typing your password as much as possible when purchasing with a post terminal, which in
turn will help prevent the spread of the virus.
4. Restructuring a business loan: It is possible for businesses to redistribute loans. Restructuring of business
loans involves a three-month grace period, under which payment is suspended for a period of three
months. The principal amount included in the tax payment during these months is transferred to the end
of the loan term and the interest is distributed on the loan schedule to be repaid in stages.

2020 Strategy

The coronavirus (COVID-19) has been identified as an emerging risk, and we are monitoring its impact on our
business, customers and employees. We have put in place a business continuity plan to mitigate the impact. We
recognize the challenges posed by climate change. In 2020, we will be expanding the Bank’s consideration of
climate change issues and risks, and will consider suitable next steps for the Group. We also intend to engage with
policy makers on the risks presented by climate change and solutions that the Group can further implement to
manage climate-related risks, and consider the appropriateness of disclosing in line with the recommendations of
the Taskforce on Climate-related Financial Disclosures (TCFD).

We are planning to boost our fee and commission income through corporate advisory and brokerage services from
our subsidiary Galt & Taggart – a leading investment bank and a brokerage house in Georgia. Galt & Taggart is
actively involved in developing local capital markets, and for years has provided services to a number of corporate
clients and DFIs, and assisted them with placing their bonds on the local stock exchange. Galt & Taggart aims to
further encourage and facilitate more transactions in equity, as well as debt capital markets in Georgia, by raising
awareness of capital market instruments as an alternative solution to investing and raising funds. Galt & Taggart is
expanding its cooperation with JSC Bank of Georgia’s SOLO premium segment and Wealth Management. At the
same time, it is working on attracting new potential retail, as well as institutional investors

The success of their new strategy depends on two main directions: customer satisfaction and employee engagement.
We have revised the key performance indicators (KPIs) of the senior management to include Net Promoter Score
(NPS) and Employee Net Promoter Score (ENPS). There are very encouraging signs throughout the business lines
showing improved customer satisfaction (CSAT) and higher employee engagement scores. Not to stop there, we
have invested in the leading customer experience management platform, Medallia. It will help us capture and
priorities large amounts of customer feedback. It is being rolled out first throughout the Bank’s digital channels, and
we are planning to expand it to the call center and branches in 2020.

Their new Corporate Social Responsibility (CSR) strategy has been aligned with their new mission – to help people
achieve more of their potential. We do this through focusing on three main pillars: education, employment and
MSME development.
TBC Bank & Covid19

TBC will pay more than 5 million GEL to overcome the challenges of COVID19. "TBC for You" - TBC is creating a
program to support the population of Georgia, which will unite all the projects initiated by TBC to reduce the
damage caused by COVID19.

The support program consists of 2 components:

GEL 2 million for social assistance initiatives, which will focus on promoting distance education, helping the
elderly and disseminating digital technology;

More than 3 million GEL for the next two months to alleviate the commission fee for both individuals and
businesses.

Also, an online platform - TBC for You - will be launched, which will bring together all the digital services of TBC
and its partners, which will help users to digitize.
The focus will be on population and business support, distance education, online commerce and many other
services that will make life easier for customers in the new reality created.

1. The three-month grace period of TBC Bank applies to all individuals and legal entities who currently use
credit products at TBC Bank, as well as to all customers of TBC status. The favorable period will apply to
the following credit products: mortgage loans, consumer loans, emergency loans, auto loans, installments,
credit cards, overdrafts, pawnshops, business and agro loans with standard schedules. There will be no
change in contract rates when using the grace period and only the loan term will increase with the grace
period. However, they said that the monthly payment amount will "increase slightly" after the expiration
of the grace period, as interest on the loan will continue to accrue on the principal amount of the loan
during the grace period, and the bank will redistribute the amount and accrued interest over the remaining
term. According to them, interest will not be accrued on interest. As for TBC status users, they can
determine the list of loan products for which the grace period will apply. In the case of business loans, they
will be considered individually.
An advance will be made without commission within the monthly payment amount.

Exclusion: If the grace period on the current loan is less than the currently announced terms of the bank,
in such a case the grace period will be extended until June 30, with a delay of no more than the next three
payments. For example: if you took out a loan in January 2020 with a 3-month grace period and had to pay
it first in April, then +2 months will be added to your grace period.
2. #TBC has created a platform for the program, through which anyone can support their favorite Georgian
company. More information: https://tbc4u.vendoo.ge/page/chvens-shesakheb
Here is integrated Georgian companies. In exchange for the transferred amount, customers will receive a
voucher from the company, which will be refunded as soon as the business continues to operate normally.
Donation can transfer a minimum of 5 and a maximum of 100 GEL.
3. Insurance of complicated cases of COVID-19 for business. TBC Insurance offers business new insurance
against complicated cases of the COVID-19 virus. Given the current events, it is becoming more and more
important for people to maintain the rhythm of life before the pandemic, which in many cases is related to
material stability. TBS offers companies insurance against employees with complicated cases of COVID-19
virus.
 Insurance COVID-19 acts on a person who is diagnosed with a new coronavirus and will need treatment at
a medical facility due to the severe course of the disease. In such a case, the insured will receive a salary of
10,000 GEL.
And in case of death of the insured as a result of infection with coronavirus, his family will receive
compensation in the amount of 50,000 GEL.

2020 Strategy
The Group’s strategy is to follow an asset-light, limited capital investment approach with a strong focus on digital
channels and to invest in stages, to make sure that we are comfortable with the results and the operating
environment before committing additional investment. The Group plans to serve retail and MSME customers,
which will in turn lead to a non-concentrated portfolio and subsequently to lower credit risk. The Group will
partner international financial institutions, which intend to take a shareholding in the Uzbek bank in order, to
ensure the funding of our business plan and sufficient flexibility across our operations in Uzbekistan.
1. TBC Bank’s subsidiary, TBC Bank in Uzbekistan, has obtained a banking license in April 2020 and is
planning to launch its operations in Uzbekistan in June 2020. The total amount of investment in 2020 from
all shareholders will amount up to US$ 40 million with TBC Bank accounting for 51%. This investment
exposes to the Group to Uzbekistan’s macro-economic, political and regulatory environments, including
exposure to risks arising from credit, market, operational and capital adequacy risks. In addition, the Group
is expanding its international presence in Azerbaijan.
2. Progress in Azerbaijan During the year, our partner bank, Yelo Bank2 (previously known under the brand
name Nikoil Bank) enhanced its operations, including core banking and data warehouse as well as
improved risk management in terms of operational risk, credit risk and compliance. Also, a new
management team was recruited. In addition, in December 2019 it launched a rebranding process and
introduced a new name, logo and slogan. The new name of Yelo Bank is a stylized spelling of the English
word Yellow, symbolizing a bright, vibrant, new approach to banking services. The transition to a new
name and the introduction of a new corporate identity will occur gradually and expected to be completed
in April 2020. This will be followed by the introduction of a new banking service model in the branches
and their transition to a completely new design.

In terms of their product offerings, we plan to start with cash loans, salary backed loans and car loan as well as
savings and current accounts, cards, mobile application and transactional capabilities including (but not limited to)
P2P transactions, money transfers and utility payments. These products will be offered through their digital
platform, Space; however, we also plan to open branches for advising and consulting purposes.

We has already invested US$ 12.6 million into the charter capital of the Bank and expects to invest an additional
US$ 9.4 million by the end of 2020. Additional capital increase is planned for later this year. Potential new
shareholders, including the European Bank for Reconstruction and Development, the International Finance
Corporation and the Uzbek-Oman Investment Company, have expressed their interest to participate subject to their
internal approvals. TBC PLC will remain the majority shareholder with 51% interest.

Recently acquired subsidiary, Payme, which is the leading payments company in Uzbekistan, serving around 2
million customers by the end of March 2020. The company is growing rapidly, and in 2019, its revenue went up by
84% and amounted to GEL 8.6 million, while its EBITDA reached GEL 4.5 million, up by 77% year-on-year. Payme
will continue to operate separately from the bank but the two entities will co-operate closely. In addition, the bank
will also run the point-of-sale consumer finance operations.
Their digital penetration is very high, mainly driven by mobile banking transactions. To ensure continued
communication and customer care, we have activated and enhanced all their channels, launched intensive
communication campaigns to promote cashless transactions (cash is a potential transmission vector for the virus)
and active usage of their digital channels. The group assessed the changes in the environment on its capital and
liquidity positions and is comfortable that it can keep solid financial standing. However, taking into consideration
the unprecedented uncertainty triggered by the COVID-19 outbreak, the Board of Directors has decided not to
recommend a dividend.

Other banks & Covid19

VTB Bank at the initial stage, it will allocate 200,000 GEL, offers loan periods to all individuals, small and medium
businesses. During this time, the customer will not pay the loan basis and interest amount. However, it is still
unknown how individuals and legal entities will reimburse him after the loan is deferred. Terrabank and Credo
Bank have not yet made a decision on the loan deferral.

Government initiative for commercial banks due to Covid19

Commercial banks will be provided with a long-term resource of 600 million GEL, and an additional 500 million
GEL will be allocated for business support.

According to Giorgi Gakharia, in fact, this means that we will continue to use the GEL resource for banks and
banks will have a relatively cheap resource of GEL available, which, of course, will be transferred primarily to the
economy and an additional GEL 500 million to support businesses. : Credit - guarantee scheme - budget 300 million
GEL. This is a very important tool to help entrepreneurs. The main direction and target groups will be small and
medium entrepreneurs, and with this tool we will be able to strengthen and issue a loan portfolio of 2 billion GEL,
which means that the state will guarantee 90% of the loan. This is extremely important, especially for
entrepreneurs who have started certain projects and will take a step in this crisis to create new directions. This
applies to new ventures, however, companies that have old loans, in the form of restructuring the state will be
subject to a 30% guarantee to business and banks as well as.

Interest rates on the loans will change

Alexander Dzneladze, President of the Georgian Banking Association, says that the increase in interest rates on
GEL loans is expected to increase, which is due to the rise in the value of the GEL resource.

"An increase in interest rates was expected and is expected on GEL loans. There are two reasons for this. In the
previous period, the refinancing rate increased and the interest rate on GEL increased. To put it bluntly today, an
increase in interest rates will not appear because the situation is more or less frozen. We can assume that interest
rates will increase due to the offers that are on offer today. This happened because the cost of the lari resource for
financial institutions has risen. Therefore, today the NBG and the government are working to provide GEL to the
financial sector, "Dzneladze said in the program" Business Morning ".

According to the National Bank of Georgia, as of March 2020, the average interest rate on bank loans in the country
was 12.1%, of which the rate of loans denominated in foreign currency was 6.5%, and the average rate of loans
denominated in the national currency was 16.1%

Banks and Micro Financial organizations will mortgage business loans in the NBG in exchange for GEL reserves
Commercial banks and microfinance organizations have been given the right to participate in a new type of
financial transaction. This is an operation to mortgage their business loans at the National Bank. As a result of the
mortgage lending to small and medium-sized businesses, banks and MISOs will be given the right to withdraw GEL
from the National Bank. The NBG will charge commercial banks an interest rate equal to the refinancing rate for
performing this operation. Consequently, the cost of attracting financial resources in this way will be the same as
the cost of refinancing loans.

In addition, the National Bank is offering another type of new operation to MISOs and commercial banks, a
currency swap. The total volume of these operations is estimated at $ 400 million (currently valued at $ 1.284
billion). Swap operations are similar to mortgaging business loans - a commercial bank invests a dollar of its
resources in the National Bank and in return receives a resource in GEL.

This tool is quite simple. Banks and MISOs bring the dollar resource to the National Bank and bring the GEL
resource from the NBG. The limit for commercial banks is set at $ 200 million. As well as $ 200 million separately
for microfinance. It is self-determined in commercial banks that one bank may not have a share of more than 25%
of this $ 200 million to distribute that amount to small banks.

Additional information: Government initiative for Agriculture due to Covid19

The Georgian government has unveiled an anti-crisis agricultural plan aimed at helping small, medium and large
farms. The budget of the program is up to 300 million GEL, and it actually means subsidizing or co-financing each
stage of agricultural production. These include a subsidy program for the purchase of diesel fuel, as well as subsidies
for the purchase of chemicals, subsidies for small farmers to cultivate land, and more. The project also aims to
expand funding for several existing programs, including agro-insurance, cheap agro-credit, "Introduce the Future"
and other programs.

Assistance to small-scale farmers:

In particular:
● subsidizing agricultural goods and plowing services for landowners registered from 0.25 hectares to 10 hectares;
● Co-financing for the purchase of goods and services - fertilizers and chemical / biological plant protection
products; Chemical / biological means of plant care; Seed and planting materials; Agro-technical services (from 1.25
ha to 10 ha for landowners).
● Up to 200,000 farmers will receive assistance;
● the program will start on May 20;
● Budget 37 million.

Cheap diesel for farmers

In particular:
● Diesel fuel at a discounted price to the owners of agricultural land;
● 0.25 ha to 100 ha for registered agricultural land owners - diesel fuel required for agro-technical works at a price
of about 1 GEL per liter at a cheap price of 1 liter;
150 Limit 150 liters per 1 ha;
●40 million. Preferential payment to farmers;
● Up to 200,000 farmers will receive assistance;
●The program will start on May 20.

Increase the cost of reclamation services.

In particular:
● 42 000 individuals and legal entities will be fully written off the debt of land reclamation services for 8 million.
To GEL;
● 42,000 individuals and legal entities will be fully exempt from the land reclamation service fee of up to 10
hectares in 2020. 5 million will be written off to farmers. GEL fee.
● a total of 13 million will be written off for 42,000 individuals and entities. Up to GEL.

50% grant for agricultural production

In particular, under 50,000 GEL (total value) will be funded:
● 50% co-financing for the purchase of agricultural machinery;
● 50% co-financing for the arrangement of a new greenhouse and / or modernization of the existing greenhouse;
● Procurement / installation co-financing of 50% irrigation system for one-year agricultural crops.
● the program will start on May 20;
● Budget 10 million;

50% grant for irrigation systems

In particular, in addition to the benefits under the "Introduce the Future" program, it is possible to:
● Co-purchase / installation of irrigation system for perennial crops;
● Not more than 2,500 GEL for 1 ha co-financing 50%;
● Budget 13 million.

New bank benefits for agricultural production

In particular:
● Cash component - GEL 5,000 - GEL 100,000, full co-financing - 17%, co-financing period - 6 months.
● the component of fixed assets and leasing - 20 000 GEL - 1 500 000 GEL, co-financing - 11-12%; Co-financing
period - 48 months.
● Food industry support component - GEL 1,500,001 - GEL 5,000,000, co-financing - 10%, co-financing period - 24
months.

Growing interest rates for 6-year loans for one-year crops will be fully funded:

Instead of 8%, the loan co-financing component becomes 11%;

Co-financing of leasing becomes 12% instead of 9%;

Budget 74 million - an additional 7.4 million GEL was allocated.

Introduction of international standards

In particular:

● Co-financing for the introduction of international food safety standards - co-financing share 50%, maximum
15,000 GEL, co-financing of cooperatives share - 90%, maximum 25,000 GEL.
● Assistance to cooperatives to receive accounting services - co-financing share 50%, maximum 15,000 GEL, co-
financing of cooperatives share - 90%, maximum 25,000 GEL.
● Equipment / equipment financing for cooperatives - co-financing share 50%, maximum 15,000 GEL, co-financing
of cooperatives share - 90%, maximum 25,000 GEL.
● The budget is 1.5 million GEL.

Agricultural insurance in
Particular:
Insurance risks;
● Hail;
● Flood;
● Storm;
● Fall frost.

Conditions:
● Maximum area - 30 ha of grain 5 ha of other rest.
● Co-financing - 50% Vine 70% other rest.
● In case of agricultural cooperatives, the maximum amount of insurance premium is 50 000 GEL.

The budget is 9 million GEL.

Promoting local dairy farming in

Particular:
Co-financing program:

● Dairy primary production - the percentage share of 80% co-financing of up to 26 000

● Milk collection points percentage - 60%, co-financing of up to 137 000
● Milk collection points (summer) - percentage of 80%, co-financing of up to 26 000
● milk processing Enterprises with a capacity of up to 1 ton - 80% share, co-financing not more than 39 000 GEL
● Those processing enterprises with a yield of 1-10 tons - 40%, co-financing not more than 130 000 GEL
● Primary production of cattle feed - 60%, co-financing not more than 195 000 GEL
● Veterinary and artificial insemination Percentage - 80%, co-financing not more than 52 Gel.

The budget is 42 million GEL.

Grants for cooperatives in

Particular:
Co-financing of honey and milk processing enterprises with 70% in the following municipalities:

● Gori
● Akhalkalaki
● Dmanisi
● Dusheti.

Support for agricultural cooperatives in the field of viticulture and animal husbandry - co-financing in the range of
90%, 150,000 - 500,000 GEL.

● Additional 5% co-financing for cooperatives is envisaged in mountainous regions;

● All current state agricultural programs provide for an additional 10% co-financing for cooperatives.

Direct and sectorial assistance to farmers

Direct assistance, namely:
● Agribusiness cards;
● Agrodiesel;
● reclamation;
● Agrocredit;
● Rotating component.

Total support per hectare - from 850 GEL to 1700 GEL.

Up to 200,000 farmers will receive assistance.

Sectorial Assistance to Farmers:

● 50% grant for equipment for greenhouses for irrigation systems;
● Up to 80% grant for dairy farming;
● Up to 17% co-financing on loans - new bank benefits;
● 70% co-financing for agro-insurance;
● Grant up to 15,000 GEL for the introduction of international standards.

1. Working capital loan or line of credit, or loan, credit officers. they will use when they need. Priced 1% per
year, 10 000 for month. Its not common. Smaller banks don’t offers. How has demand for working coapital
line change from businesses, in term of difference working capital loans. What changes bank made how
things granting (underwriting) working capital loans. 3. Terms
2. Machine and uses company owns, but bank pays. Bees. Company will pay leasing fee. LEASE. Security
lease payments collects. Lease agreement. Bank buys a car and person will pays nd uses it. If you are leasing
machine 100 000 first payment is bing one. Bank still owns machine.
TBC has. It can be more expensive than company can borrow many. Sale lease back. 100 000 machine on
company’s asset. Company owns land 100 000. Fixed asset. Leasing company. I want to sell you my my
land. They have more fixed assers. How can companies get more working capital. They sell assets they
don’t need consulting track. Are they willing to do things like this such lease transaction. When company
needs fixed asset in cash as a working caprtal. Do they see opportunities in leasing, change products or offer
new products for situation. What is the terms,? What type of assets they would be interested.
In for company who can may do this. TBC leasing aniC knows. High level staff.

TBC. მოგესალმებით, მე გიკავშირდებით ბიზნეს საკონსულტაციო კომპანიიდან მცირე ანალიზს ვაკეთებ

შესაძლოა ეს დაგვჭირდეს ბიზნესებისთვის რჩევის გაცემისთვის. როგორც მოგეხსენებათ მიმდინარე
პროცესების გამო მცირე და საშუალო ბიზნესს საბრუნავი კაპიტალის პრობლემა შესაძლოა დაუდგეთ,
რომ ყოველდღიური ხარჯები ვერ დაფარონ.
1. მაინტერესებს ვირუსთან დაკავშირებით შეიცვალა თუ არა თქვენ მიერ შეთავაზებული პაკეტი
ბიზნესების საბრუნავი კაპიტალის გაზრდისთვის? თუ შეიცვალა, რა სახის პაკეტებს თავაზობდით
და რა პირობებით შეიცვალა? ახალ სესხზე თუ ვრცელდება?
ახალი სესხი ამ მიმართულებისთვის, სტანდარტული სესხია. ახალი შეთავაზება არარის.
თითოეულ კომპანიაზე ინდივიდუალური მიდგომით მონაცემების მიხედვით.
ინდივიდუალურია ყველა ბიზნესთან დაკავშირებითო. საბოლოო სახე არ აქვს რასაც ამუშავებე,
თვის ბოლოს ექნებათ ახალი შეთავაზხება სეგმენტებისთვის ერთადერთი რაც ახლა აქვთ
სამთვიანი პერიოდია. დასრულებული სახე არ აქვს.
2. სალიზინგო მომსახურება თუ აქვთ და თუ შეიცვალა პირობები მიმდინარე სიტუაციის გამო?
შესაძლოა ახალ პროდუქტს სთავაზობდნენ ბიზნეს მომხმარებლებს ან შეცვალეთ პროდუქტი. და
რა არის მისი პირობები? შეჩერებულია გაცემა და ივნისის დასაწყისში უნდა დაიწყონ. ახალი
პირობები არარის. დამტკიცებული სესხები ხელახლა უნდა დამტკიცდეს. ახალ პირობებს
ელოდებიან როგორც. საპიროცენტო განაკვეთი არ შევლილა, რეფინანსირებაზე მიბმულია 8,5%
 შესაბამისად ამაზეა ლარის ლიზინგები. ძველი ლიზინგები % არ შეცვლილა. 3თვით. აწარმოე
საქართველოში სუბსიდირება გაიზარდა.
3. სახელმწიფოს სუბსიდირების პროგრამის მხარდაჭერით, ხომ არ ვრდელდებება სესხის
შერბილება, და რომელი ტიპის სესხს შეეხება ეს? აწარმოე საქართველო როგორ აფინანსებს და
აპმა. გარკვეულ სფეროებს აფინანსებს. % განაკვეთსაც ზრდიან. ნებისმიერი საწარმო, რომელიც
რაიმე პროდუქტის წარმოებას ეხება და მეორე არის აგრობიზნესი, სოფლის მეურნეობა.
სახელმწიფო შემოდის თანადაფინანსებით
4. ჯერჯერობით არარის.

BOG. მოგესალმებით, მე გიკავშირდებით ბიზნეს საკონსულტაციო კომპანიიდან მცირე ანალიზს ვაკეთებ

შესაძლოა ეს დაგვჭირდეს ბიზნესებისთვის რჩევის გაცემისთვის. როგორც მოგეხსენებათ მიმდინარე
პროცესების გამო მცირე და საშუალო ბიზნესს საბრუნავი კაპიტალის პრობლემა შესაძლოა დაუდგეთ,
რომ ყოველდღიური ხარჯები ვერ დაფარონ.
1. მაინტერესებს ვირუსთან დაკავშირებით შეიცვალა თუ არა თქვენ მიერ შეთავაზებული პაკეტი
ბიზნესების საბრუნავი კაპიტალის გაზრდისთვის? თუ შეიცვალა, რა სახის პაკეტებს თავაზობდით
და რა პირობებით შეიცვალა? ახალ სესხზე თუ ვრცელდება?
სესხების გაცემა არ შეჩერებულა, ცალკე პაკეტი არარის შექმნილი. მიზნობრიორბები არ
შეცვლილა. Customer service@bog.ge
2. სალიზინგო მომსახურება თუ აქვთ და თუ შეიცვალა პირობები მიმდინარე სიტუაციის გამო?
შესაძლოა ახალ პროდუქტს სთავაზობდნენ ბიზნეს მომხმარებლებს ან შეცვალეთ პროდუქტი. და
რა არის მისი პირობები? 444402 ლიზინგებს არ გასცემენ, იგიგმება შემუშავებულია ჯერ საჯარო
არარის.
3. სახელმწიფოს სუბსიდირების პროგრამის მხარდაჭერით, ხომ არ ვრდელდებება სესხის
შერბილება, და რომელი ტიპის სესხს შეეხება ეს?
ბიზნეს და აგრო სესხები, კრედიოფიცერტს დავუტოვე ინფო და შემომეხმიანება.