BGEO Group Financial Update

Banking Business | US$ loan portfolio breakdown Highlights 44.1% of Retail Banking Loans were denominated in USD loans with non-USD income* We offered re-profiling in Feb-2015. Since, 992 loans (out of 14,000) were re-profiled, with total value of US$34.9mln For RB: Loans 15 days past due were 1.4% at 30 September 2015, compared to 1.4% a year ago and 1.4% as of 30 June 2015 42.1% of Corporate Banking Loans denominated in USD loans with non-USD income Retail Banking and Wealth Management | 30 Sep 2015 Banking Business Corporate Banking | 30 Sep 2015 Banking Business Total 2,824 58 2.05% Total 2,361 110 4.65% GEL mln GEL mln 100% 100% 20 0.4 143 13 266 80% 2.14% 80% 17 9.41% Other 1,365 Other 60% 46 60% ■GEL GEL 40% 3.35% 40% 1,957 79 6.65% USD 1,439 20% ■USD 20% 12 0.85% 4.03% 0% 0% Loan portfolio Provision amount LLR rate Loan portfolio Provision amount LLR rate % of total RB Loan Amounts in GEL millions GEL and other currency loans* portfolio 1.389 RB loan portfolio Consumer SME & CB Loan Mortgages loans* Micro Amounts in GEL millions portfolio % of total CB loan portfolio 49.1% 78 974 332 USD loans with USD income 193 6.8% 122 29 42 USD loans with non-USD income Total 1,246 44.1% 588 151 508 2,828 100.0% 788 1.154 882 GEL and other currency loans* USD loans with USD income USD loans with non-USD income Total 403 17.1% 1,170 49.6% 787 33.4% 2,361 100.0% *includes credit cards Note: standalone BOG figures from management accounts Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 *Re-profiling implies effectively increasing the tenor of the loan so that monthly payment in Lari stays at the same level it was prior to the recent devaluation of the Lari. When re-profiling, we do not change the interest rate of the loan. We offered reprofiling in Feb 2015 page 20

View entire presentation