Bank of Georgia Financial Overview

Liquid assets GEL 1,103 mln, 24% of total assets Diversified asset structure Total asset structure, 31 March 2012 Other, Cash and GEL 750 mln, equivalents, GEL 381 mln, 8.4% Government bonds, treasury bills, NBG CDs GEL 434 mln, 9.5% Amounts due from credit institutions, GEL 288 mln, 6.3% 16.4% Loans to customers, GEL 2,714 mln, 59.4% Gross loans breakdown, 31 March 2012 Retail loans*, GEL 1,319 mln, 47.6% Commercial loans, GEL 1,450 mln, 52.4% LAUKO 5630 BANK OF GEORGIA Gross loan portfolio structure, 31 March 2012 Micro and SME loans, 11.7% Gold-pawn loans, 3.0% Residential mortgage loans, 13.7% Consumer loans and credit card balances** 19.2% Commercial loans, 52.4% Note: Retail loans include Wealth Management loans of GEL 44.8 mln and BNB loans of GEL 56.7 mln Concentration of top 10 borrowers As of 31 March 2012, concentration of gross loans granted by the Group to ten largest third party borrowers comprised GEL 397.1 million (US$239.2 million)*** accounting for 14% of gross loan portfolio of the Group (31 December 2011: 15% and 31 December 2010: 15%) Single borrower exposure did not exceed 2.4% of total loans as of 31 December 2011 Major borrowers of the Group were private companies and individuals Retail loans include consumer loans, mortgage loans, micro and SME loans, auto loans and credit card balances ** Credit card balances of GEL 135.8 million included, 4.9% of total loan book *** US$/GEL 1.66 as of 31 March 2012 www.bogh.co.uk www.bankofgeorgia.ge/ir May 2012 Page 14

View entire presentation