Investor Presentaiton

GEL/US$ Peer group's market share in deposits 35% Period End YE 2006 1.71 29.4% 30% 28.8% YE 2007 1.59 27.4% YE 2008 1.67 25% Q1 2009- 1.67 24.1%23.7% 22.5% Q2 2009 1.66 Q3 2009=1.68 20% YE 2009 1.69 Q1 2010 1.75 15% Q2 2010 1.84 11.5% Q3 2010 1.81 10.8% 10% 8.9% 9.1% 8.5% 8.1% 5% 6.5% 6.8% 5.5% 3.6% 2.7% 2.0% 21.3% 20.4% 18.5% 0% 813-61355-5 G-LAST DANK OF GEORGIA 000 56.30 TBC BANK BANK REPUBLIC CARTUBAHE SVTB Other Banks ProCredit Bank HORT LUGO HONORES Note: all data based on standalone accounts as reported to the National Bank of Georgia and as published by the National Bank of Georgia www.nbg.gov.ge Lobko BANK OF GEORGIA www.bog.ge/ir ■YE 2008 ■YE 2009 ■Sep-10 November 2010 Page 48

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