Expected Q4 2009 Financial Performance
2009 YTD Net
Foreign Currency
related income,
Revenue cont'd
Net fee & commission income
GEL mln
decreased by
32.5%, due to the
decrease of FX
transaction
volumes in
Georgia and
15.0
10.9
10.2
10.2
10.0
6.1
Net foreign currency related income
GEL mln
20.0
11.6
11.1
10.5
15.0
13.2
10.4
10.0
9.4
14.9
-31.4%
Ukraine
5.0
8.8
7.1
6.5
5.0
2009 YTD
Income from
0.0
documentary
Q12008
Q2 2008
Q3 2008
Q4 2008
Q12009
0.0
Q2 2009
Q3 2009
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
operations
increased by
26.4%
2009 YTD Net
Other Non
Income from documentary operations
+37.3%
GEL mln
Interest Income
3.0
increased by
Other non-interest income
GEL mln
+112%
increase in
brokerage
103.7%, mostly
due to the
2.0
1.9
1.7
1.4
1.4
12
2.3
10.7
11.1
2.3
1.8
7.8
8
6.5
7.8
7.1
5.0
1.3
1.9
(+21.5% YTD)
1.0
4
and insurance
0.4
0.3
1.3
1.6
0.1
5.1
4.9
(+123.2% YTD)
3.2
3.0
2.5
1.7
income
1.6
0.0
0
Q12008
Q2 2008
Q3 2008
Q4 2008
Q12009
Q2 2009
Q3 2009
Lobko
BANK OF GEORGIA
www.bog.ge/ir
QI 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Net Insurance Income
Brokerage Income
January 2010
Page 41View entire presentation