Bank of Georgia Growth and Reform Strategy
DISCLAIMER - FORWARD LOOKING STATEMENTS
This presentation contains forward-looking statements, including, but not limited to, statements concerning
expectations, projections, objectives, targets, goals, strategies, future events, future revenues or performance, capital
expenditures, financing needs, plans or intentions relating to acquisitions, competitive strengths and weaknesses, plans or
goals relating to financial position and future operations and development. Although Bank of Georgia Group PLC believes
that the expectations and opinions reflected in such forward-looking statements are reasonable, no assurance can be
given that such expectations and opinions will prove to have been correct. By their nature, these forward-looking
statements are subject to a number of known and unknown risks, uncertainties and contingencies, and actual results and
events could differ materially from those currently being anticipated as reflected in such statements. Important factors
that could cause actual results to differ materially from those expressed or implied in forward-looking statements, certain
of which are beyond our control, include, among other things: currency fluctuations, including depreciation of the Georgian
Lari, and macroeconomic risk; regional instability; loan portfolio quality; regulatory risk; liquidity risk; operational risk,
cyber security, information systems and financial crime risk; and other key factors that indicated could adversely affect
our business and financial performance, which are contained elsewhere in this document and in our past and future filings
and reports of the Group, including the 'Principal risks and uncertainties' included in Bank of Georgia Group PLC's 2Q19
and 1H19 results announcement and in Annual Report and Accounts 2018. No part of this presentation constitutes, or shall
be taken to constitute, an invitation or inducement to invest in Bank of Georgia Group PLC or any other entity within the
Group, and must not be relied upon in any way in connection with any investment decision. Bank of Georgia Group PLC
and other entities within the Group undertake no obligation to update any forward-looking statements, whether as a
result of new information, future events or otherwise, except to the extent legally required. Nothing in this presentation
should be construed as a profit forecast.
BANK OF GEORGIA
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