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Investor Presentaiton

GHG Market shares GHG strategy Capacity Revenue In 9M15 17.6% Georgia healthcare market & GHG market share evolvement Hospitals Maintain dominant market share in hospitals by capacity and revenue GEL 1.2bln() Ambulatories GHG Replicating hospital consolidation experience in outpatient segment, with a first mover advantage GEL 0.9bln Pharmaceuticals Redistribution of funds expected from pharmaceuticals to ambulatory services GEL 1.3blno 26.6% Bed market share 2,000 Hospitals, GEL mln 1,500 1,000 Market 674 643 500 CAGR'03-14: 13.7% '14-18: 11% 811 858 941 714 2008 2009 2010 2011 2012 2013 2014 Long-term target 0.5% 33.0% In 9M15 33.0% Long-term target Ambulatories, GEL mln 2,000 1,647 1,489 CAGR'03-14: 17.9% 1,341 1,500 1,203 '14-18: 16% 1,075 2015E 2016F 2017F . • • Growth drivers Low utilisation (50-60%) Fragmented market Low equipment penetration System inefficiency (low nurse-to-doctor ratio) Holding company of BANK OF GEORGIA GHG: accelerated revenue market share growth on the back of well-invested asset base (1) 2015E market value BGEO www.bgeo.com GROUP November 2015 2018F 1,000 500 695 592 473 376 241 272 2008 2009 2010 2011 2012 2013 • Low outpatient encounters Fragmented market New prescription policy 802 2014 2015E GHG: replicating hospital cluster model and consolidation experience in ambulatory sector 1,448 1,250 1,079 930 2016F 2017F 2018F 17.0% 0% 38.0% 25.0% Share in total Healthcare spending Year 2014 medium term target GDP nominal, GEL bln CAGR'03-14: 11.8% 19.1 18.0 '15-20: 9% 20.7 24.3 26.2 26.8 29.2 30.7 33.21 36.2 47.2 43.2 39.6 2008 4.8% 2009 5.1% 2010 5.3% 2011 5.3% 2012 5.5% 2013 6.1% 2014 6.4% 2015E 7.0% 2016F 7.3% 2017F • 7.6% 2018F 7.8% 2019F 2020F Sources: GHG internal reporting: Frost & Sullivan analysis, 2015; NHA, Ministry of Labor, Health and Social Affairs of Georgia; NCDC; OECD, World Health Organisation and World Bank, 2013 data new prescription policy introduced in 2014 ambulatory market consolidation Weakening of existing pharma-duopoly spending on pharma Georgia's 38% vs 16-17% in Europe; decreasing trend in comparable countries page 40 0%
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