Bank of Georgia Financial Overview

0% Georgia Kaz-stan Russia Source: National Bank of Georgia, Citi Public debt/GDP, frontier markets Turkey Romania BANK OF GEORGIA Sources: Citi, National Bank of Georgia, CIA www.bogh.co.uk www.bankofgeorgia.ge/ir GEL mln 250% 70% 60% 60% 57% 200% 49% 50% 40% 37% 39% 41% 150% 31% 30% 20% 10% 0% 0% Ukraine Georgia Romania Czech Argentina Vietnam Pakistan Poland Czech Ukraine Bulgaria Georgia Kaz-stan Russia Turkey 50% 100% 40% 73% 74% 80% 68% 69% 64% 67% 30% 59% 16% 20% 14% 11% 13% 9% 9% 11% 12% 14% 60% 10% 40% 20% 0% II i III i 2005 2006 2007 2008 2009 2010 2011 ■FC Deposits / Deposits Source: National Bank of Georgia, Gross Loans/GDP Increasing comfort in saving in GEL and at Bank of Georgia in particular One of the highest level of capital and low debt level compared to other frontier markets Equity/Assets Dollarisation declining 100% 50% 32% 39% 45% 44% 46% 55% 56% 62% Romania Poland Czech Ukraine Gross Loans / GDP Sources: National Bank of Georgia, World Bank, Business Monitor Bulgaria 75% 64% C&EE Markets Eurozone United Kingdom 204% ☑Attractive growth 193% potential May 2012 Page 41

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