Q3 2009 Results Overview

Net remittances Net remittances, 2004-2009 US$ mln 1200.0 7.4% 7.5% 8.0% 7.0% 1000.0 5.8% 5.4% 4.9% 800.0 4.1% 6.0% 5.0% Net remittances by countries, 9 months '09 Germany, 1.1% Kazakhstan, 1.0%- Israel, 1.0% Other countries, 13.5% 600.0 4.0% UK, 0.7%- 955.2 3.0% 400.0 755.4 750.0 Turkey, 2.9%- Ukraine, 6.6% 2.0% 200.0 420.5 315.4 1.0% Spain, 2.6% Russia, 54.3% 212.7 0.0 0.0% 2004 2005 2006 2007 2008 2009F Net Remittances (LHS) Greece, 7.4% USA, 8.9% Net Remittances as % of GDP Cumulative net remittances by countries, 2004-9 months '09 Germany, 0.7% Kazakhstan, 0.9%- Israel, 0.9% Other countries 12.0% Cumulative net remittances, 2004 9 months '09 Country Russia US$ '000s 1,920,441 % of total 60.8% USA 346,086 11.0% Greece 147,885 4.7% Ukraine 109,011 3.4% Spain 79,392 2.5% Turkey 65,449 2.1% UK 30,595 1.0% UK, 1.0%. Israel 29,024 0.9% Kazakhstan 29,708 0.9% Turkey, 2.1%- Germany 21,941 0.7% France 15,748 0.5% Canada 12,736 0.4% Belgium 4,990 0.2% Netherlands 4,046 0.1% UAE 2.346 0.1% Azerbaijan (151) 0.0% Other countries 340,839 10.8% Total 3,160,086 100.0% Source: National Bank of Georgia Labkon BANK OF GEORGIA www.bog.ge/ir Ukraine, 3.4% Spain, 2.5% Greece, 4.7% Russia 60.8% USA, 11.0% January 2010 Page 19

View entire presentation