BGEO Group Financial Update

Banking Business | Strong revenue growth Revenue growth | nine-month Banking Business Revenue growth | quarterly Banking Business GEL millions +43.2% 550.2 400 600 ཙྩཾ ྣ ༈ རྩེ ༔ ཎྜ ° 500 384.1 171.5 +34.1% 300 127.9 200 +47.8% 378.7 256.2 9M 2014 ■Net interest income 9M 2015 ■Net non-interest income Net non-interest income | nine-month Banking Business | GEL millions +34.1% 200 171.5 180 +112.5% 10.2 160 127.9 140 +59.0% 57.4 120 4.8 100 36.1 +22.7% 14.6 80 11.9 60 +18.9% 40 89.3 75.1 20 0 Holding company of BANK OF GEORGIA 9M 2014 9M 2015 Net fee and commission income. ■Gross insurance profit ■Net banking foreign currency gain Net other banking income BGEO www.bgeo.com GROUP November 2015 GEL millions GEL millions +39.4% +4.1% 250 190.0 182.6 200 136.3 60.8 56.2 150 46.3 100 126.4 129.2 50 90.0 0 Q3 2014 Q2 2015 Q3 2015 ■Net interest income ■Net non-interest income Net non-interest income quarterly Banking Business +31.3% 20 22 +8.1% 70 60.8 56.2 60 5.2 46.3 2.7 50 18.7 1.3 19.8 40 13.4 5.8 3.5 30 3.8 27.8 31.1 30.2 10 0 Q3 2014 Q2 2015 ■Net fee and commission income ■Net banking foreign currency gain Q3 2015 Gross insurance profit Net other banking income page 26

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