Investor Presentaiton

Banking Business | Stable Cost of Funding Cost of Funds | half-year Banking Business Cost of Funds | quarterly Banking Business 8% 8% 7.1% 7% 7% 5.9% 6% 6% 5.1% 5.0% 5.1% 4.8% 4.7% 5% 5% 4% 4% 3% 3% 2% 2% 1% 1% 0% 0% 2012 2013 2014 9M 2015 Cost of funds, consolidated Q3-2014 Q2-2015 Q3-2015 Cost of funds, consolidated Cost of Customer Funds| annual Banking Business Cost of Customer Funds | quarterly Banking Business 100% 8% 100% 8% 7.1% 90% 7% 7% 80% 80% 5.5% 6% 6% 70% 4.2% 4.3% 5% 4.4% 5% 60% 60% 4.1% 4.1% 4% 50% 4% 40% 69.9% 68.2% 71.2% 73.5% 40% 3% 70.4% 72.0% 73.5% 3% 30% 2% 2% 20% 20% 29.6% 28.0% 26.5% 30.1% 31.8% 28.8% 26.5% 1% 1% 10% 0% 0% 0% 0% 2012 2013 2014 9M 2015 Q3-2014 Q2-2015 Q3 - 2015 Client deposits and notes, FC, consolidated Client deposits and notes, GEL, consolidated Currency-blended cost of client deposits and notes Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 Client deposits, FC, consolidated Client deposits, GEL, consolidated Currency-blended cost of client deposits, annualised page 30

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