Bank of Georgia Holdings plc (BGH) is a holding company for JSC Bank of Georgia (the Bank). BGH operates in three segments: strategic, synergistic and non-core businesses. Strategic businesses comprise retail and corporate banking, provided through Bank of Georgia, as well as wealth management. Synergistic businesses comprise insurance and healthcare through Aldagi BCI (ABCI), affordable housing through SBRE and domestic brokerage through BG Capital. Non-core businesses include banking operations in Belarus, provided through Belarusky Narodny Bank (BNB), and Liberty Consumer. The Bank�s retail banking products and services include retail lending, multicurrency deposit accounts, automated teller machine (ATM) services, Internet, telephone and short message services (SMS) banking, direct debit, utility bill payments and other money transfer services. Through the Company's wholly owned insurance subsidiary, ABCI, it is a provider of life and non-life insurance products in Georgia.