Investor Presentaiton

Standalone Loan origination Mortgage loans (RB & WM) GEL mln 450 400 350 300 250 200 150 100 550 +103% 46.7 23.1 +26% 58.7 Consumer loans (RB & WM) GEL mln +16% +3% 180 160 358.8 406.1 417.3 140 120 100 80 828 +22% +8% 79.9 65.3 60.3 60 40 20 Volume of Mortgage ■Q2 2010 Loans Outstanding ■Q3 2010 Volume of Mortgage Loans Originated Q3 2009 Micro loans (RB & WM) +18% -5% 159.7 143.3 135.5 Volume of Consumer Loans Outstanding Volume of Consumer Loans Originated ■Q3 2009 ■■Q2 2010 ■Q3 2010 Other RB & WM loans +16% GEL mln 300 +70% 182.7 250 156.8 GEL mln 200 180 160 140 120 +9% 100 92.3 +179% 78.3 80 50 71.7 60 40 20 20 25.7 Volume of Micro Loans Originated ■Q3 2009 ■Q2 2010 ■■Q3 2010 Lobko BANK OF GEORGIA www.bog.ge/ir Volume of Micro Loans Outstanding 200 150 100 100 50 50 +62% +36% 3.7 5.0 8.1 Volume of Other RB & WM Loans Originated* -2 % -2% 272.5 267.5 262.1 Volume of Other RB & WM Loans Outstanding Q3 2009 Q2 2010 Q3 2010 November 2010 Page 28

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