BGEO Group Financial Update

GEL millions Client data RB standalone Retail Banking (RB)| No. 1 retail bank in Georgia Portfolio breakdowns RB standalone Volumes are in GEL millions Number of total Retail clients, of which: Number of Solo clients ("Premieum Banking") Consumer loans & other outstanding, volume Consumer loans & other outstanding, number Mortgage loans outstanding, volume 30-Sep-15% of clients 2014 1,959,111 10,328 824.7 0.5% 634,025 32.4% 783.1 1,451,777 7,971 691.8 526,683 600.9 2013 1,245,048 6,810 560.2 455,557 441.4 2012 Pawn loans 2.3% Automobile POS loans loans 1.0% 3.5% 1,054,248 5,413 480.0 406,213 Credit cards and overdrafts 10.9% 388.7 Mortgage loans outstanding, number 12,576 0.6% 11,902 10,212 9,850 Mortgage loans 28.3% Micro & SME loans outstanding, volume 881.9 666.0 497.0 364.4 Micro & SME loans outstanding, number 18,296 0.9% 16,246 13,317 11,136 Loans by products Total: GEL 2.8 bn General Credit cards and overdrafts outstanding, volume 319.1 135.0 142.4 Credit cards and overdrafts outstanding, number 443,591 22.6% 199,543 174,570 146.4 142,072 consumer loans 22.1% Credit cards outstanding, number, of which: American Express cards 729,713 37.2% 116,615 117,913 107,261 102,085 5.2% 110,362 108,608 99,292 Micro- and agro-financing loans and SME loans 32.0% RB loans RB standalone Loans growth: 48.0% growth y-o-y 27.7% growth y-o-y on constant urrency basis RB deposits RB standalone Deposits growth: 49.7% growth y-o-y 20.3% growth y-o-y on constant currency basis 3,000 2,751 2,000 1,806 1,800 2,500 2,067 2,000 1,613 1,348 1,500 1,000 500 1,600 1,350 1,400 1,087 1,200 1,000 817 800 600 400 200 2012 2013 2014 9M 2015 2012 2013 2014 9M 2015 ■Retail net loans Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 ■Retail client deposits Deposits by category Total: GEL 1.8 bn Deposits by currency Total: GEL 1.8 bn Current accounts and demand deposits 38.8% Client deposits, GEL 25.7% Time deposits 61.2% Client deposits, FC 74.3% page 33

View entire presentation