Bank of Georgia Financial Overview

☑No.1 corporate bank in Georgia ☑Circa 30.0% market share based on customer deposits(1) Circa 29.6% market share based on corporate loans(2) ☐ Integrated client coverage in key sectors 90,508 clients of which 9,242 served by dedicated relationship bankers Circa 47% market share in trade finance and documentary operations(2) Second largest leasing company in Georgia(2) Georgian Leasing Company (GLC) Increased the number of corporate clients using the Bank's payroll services from 1,567 in Q2 2010 to 1,657 in Q3 2010 More than 6,000 corporate accounts were opened at the bank in Q3 2010, bringing the total number of current accounts to 171,052 Loans Corporate loan book breakdown, BoG Standalone Pharmaceuticals and Healthcare, 1% Other, 16% Industry & State, 10% Construction & Real Estate, 18% Trade, 30% FMCG, 14% Energy, 10% Leadership in consumer lending • Number of Retail Clients ■ Number of consumer loans outstanding • Volume of consumer loans outstanding (GEL mln) Credit Cards Outstanding, of which • ☐ American Express cards • Number of Solo clients outstanding, (premier banking) Retail loan book breakdown, BoG Standalone Micro loans, 19% Mortgage loans, 40% Credit cards and overdrafts, 14% Consumer and other, 27% Retail loans originated 300 GEL min 350 Q3 2009 Q2 2010 Q3 2010 701,441 714,484 729,578 53,264 52,423 58,121 250 125.6 105,040 130.9 146.9 81,119 94,480 19,600 34,359 200 183.3 177.5 1,043 1,608 150 122.1 100 50 235.6 266.9 317.6 140.2 74.9 68.8 55.9 104.9 97.5 278% 128.2 186.9 211.3 0 Q1'07 Q2 '07 Q3'07 Q4 '07 Q1'08 Q2 '08 Q3 '08 Q4 '08 QI '09 Q2'09 Q3 '09 Q4 '09 Q1'10 Q2' 10 Q3 '10 Lobko BANK OF GEORGIA www.bog.ge/ir November 2010 Page 27

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