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Investor Presentaiton

Georgia Capital - 1Q18 results highlights Consolidated Income Statement Quarterly income statement GEL thousands, unless otherwise noted Gross utility and energy profit Gross insurance profit Gross real estate profit Gross beverage profit Other income Gross profit Operating expenses Impairment charge EBITDA change change 1Q18 1Q17 4Q17 y-o-y q-o-q 20,850 17,527 19.0% 22,869 (8.8%) 6,852 6,890 (0.6%) 6,305 8.7% 3,937 2,589 52.1% 5,773 (31.8%) 4,471 2,317 93.0% 7,109 (37.1%) 1,672 1,528 9.4% 2,502 (33.2%) 37,782 30,851 22.5% 44,558 (15.2%) (21,510) (13,891) 54.8% (22,675) (5.1%) (2,005) (104) NMF (618) NMF 14,267 16,856 (15.4%) 21,265 (32.9%) Depreciation and amortisation (8,972) (5,598) 60.3% (9,056) (0.9%) Net foreign currency gain (loss) 5,878 5,771 1.9% (5,797) NMF Interest income 3,934 2,532 55.4% 4,088 (3.8%) Interest expense (9,524) (6,770) 40.7% (8,969) 6.2% Profit before non-recurring items and income tax 5,583 12,791 (56.4%) 1,531 264.7% Net non-recurring items (156) 113 NMF (460) (66.1%) Profit before income tax expense 5,427 12,904 (57.9%) 1,071 406.7% Income tax expense (693) (687) 0.9% (1,666) (58.4%) Profit (loss) from continuing operations 4,734 12,217 (61.3%) (595) NMF Profit from discontinued operations¹ 24,641 12,829 92.1% 12,270 100.8% Profit Earnings per share (basic) Earnings per share (diluted) 29,375 0.46 0.44 25,046 17.3% 11,675 151.6% 0.47 (2.5%) 0.19 141.5% 0.45 (2.3%) 0.18 145.7% (1) Profit from discontinued operations includes GEL 7.7min reversal of GHG's depreciation expense in line with IFRS requirements, GHG's underlying profit was GEL 16mln GEORGIA CAPITAL Page 7
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