Q3 2009 Results Overview

Lobko Expected financial performance Q4 2009 Expected pre-provision profit Q4 09 (excluding one-offs) 140 127.9 120 106.8 100 80 60 40 20 0 2007 36.8 34.0 32.4 31.0 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Expected net provision expense Q4 09 140 128.7 120 100 80 60 40 17.0 20 40.7 32.1 30.0 28.0 ° 0 2007 2008 QI 2009 Q2 2009 Q3 2009 Q4 2009 BANK OF GEORGIA www.bog.ge/ir January 2010 Page 26

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