Q3 2009 Results Overview

Trade structure WTO member since Import structure by country, 9 months 2009 2000 No quantitative restrictions on trade Simplified customs regime since August 2006, new customs code becomes effective in January 2007 One of the two beneficiaries of the EU GSP+ Scheme in the CIS since 2006, granting local companies the right to export 7,200 categories of goods duty-free As of November 2007 Georgia has entered into a free trade agreement with Turkey US-Georgia charter on strategic partnership envisions an update of Bilateral Investment Treaty, expansion of Georgian access to the General System of Preferences and the possibility of entry into Free Trade Agreement Kazakhstan, 0.4% Armenia, 1.0%- Others, 6.0% Bulgaria, 3.9%- Turkmenistan, 2.8% USA, 5.4% United Arab Emirates, 2.3% China, 3.5% Russia, 6.4% Export structure by country, 9 months 2009 United Arab Emirates, 1.5% Kazakhstan, 1.9%- Russia, 2.6%- USA, 2.9%- Bulgaria, 7.4% Armenia, 7.4% EU Countries, 29.9% Ukraine, 9.5% Turkey, 18.5% Azerbaijan, 12.1% Import structure by product,9 months 2009 Others, 37.3% Sugar, 1.5% Paper, 1.9%- Ferrous Metal Products, 2.2% Mechanical Equipment & Electrical Machinery, 20.1% Mechanical Equipment & Electrical Machinery, 17.5% Vehicles, 8.1% -Ferrous Metals, 1.8% Apparel & footwear, Plastic, 2.9% Cereals, 4.2% Pharmaceuticals, 4.2% 3.0% Ukraine, 6.2% Canada, 10.4% Azerbaijan, 16.3% China, 0.5% - Other, 0.5% Turkey, 21.6% EU Countries, 20.8% Export structure by product, 9 months 2009 Ferrous Metals, 0.5% Others, 36.7% Sugar, 0.1%- Vessels & Aircraft, 0.3%- Pharmaceuticals, 1.3% Oil & Gas, 4.8%- Vehicles, 0.3% Beverages, Spirits & Vinegar, 10.9% Equipment & Rail Cars, 12.9% Ores, 6.1% Gems & Precious Stones, 18.2% Cement, 2.3% Fertilizers, 4.7% Source: State Statistics Department of Georgia www.bog.ge/ir LOORIN BANK OF GEORGIA Page 18 January 2010 Page 18

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