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Investor Presentaiton

Equity & Capital adequacy Total Shareholder's equity GEL mln 900.0 Risk weighting of FX denominated assets at 150% according to the National Bank of Georgia standards 600.0 40% 783.0 746.7 739.3 718.8 711.8 709.9 718.5 649.3 611.7 15% 598.4 300.0 0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 2008 2008 2008 2008 2009 2009 2009 2009 2010 2010 BIS capital adequacy ratios, BoG Consolidated US$ 14.00 35% 36.2% 35.6% 33.8% 34.3% 34.9% 12.00 30% 25.3% 26.5% 10.00 25.2% 25.0% 24.9% 24.7% 23.4% 25% 21.7% 22.6% 21.7% 21.4% 8.00 19.6% 20% 25.8% 25.8% 32.5% 6.00 15% 10% 5% 0% Loka BANK OF GEORGIA Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 ■Tier I Capital Adequacy Ratio ■Total Capital Adequacy Ratio www.bog.ge/ir 0.00 2.00 4.00 1-Jan-09 1-Feb-09- 5% 25% NBG capital adequacy ratios, BoG Standalone 20.4% 19.7% 20% 18.3% 18.2% 17.8% 17.7% 16.6% 16.4% 15.8% 15.8% 10% 16.8% 16.3% 15.9% 15.1% 15.5% 13.5% 17.4% 18.4% 21.2% 14.5% Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 ■Tier I Capital Adequacy Ratio Share price performance Total Capital Adequacy Ratio 1-Mar-09 1-Apr-09 1-May-09 1-Jun-09- 1-Jul-09 что мищать 30 June 2010 BV/share US$11.24 1-Aug-09- 1-Feb-10 1-Mar-10 1-Apr-10 1-May-10 1-Jun-10 1-Jul-10 1-Aug-10- September 2010 Page 29
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