Bank of Georgia Financial Analysis

BANK OF GEORGIA GROUP RESULTS HIGHLIGHTS GEL thousands unless otherwise noted Net interest income Net fee and commission income Net foreign currency gain Net other income (expense) Revenue Operating expenses Profit from associates Operating income before cost of risk Cost of risk Profit before non-recurring items and income tax Net non-recurring items Profit before income tax expense Income tax expense Profit from continuing operations Profit from discontinued operations Profit Earnings per share (basic) Earnings per share (diluted) BANK OF GEORGIA Income Statement | Quarterly Bank of Georgia Group Consolidated Banking Business* Discontinued Operations* 4Q18 4Q17 Change y-o-y 3Q18 Change 9-0-9 4Q18 4Q17 Change y-o-y 3Q18 Change q-o-q 4Q18 4Q17 Change y-o-y Change 3Q18 q-o-q 187,438 41,344 183,498 36,483 2.1% 185,335 13.3% 39,481 1.1% 4.7% 187,438 41,344 183,124 2.4% 185,335 1.1% 36,738 12.5% 39,481 4.7% 53,358 28,139 89.6% 36,827 44.9% 53,358 27,464 94.3% 36,827 44.9% (9,073) 12,708 NMF 7,437 NMF (9,073) 12,986 NMF 7,437 NMF 273,067 260,828 4.7% (100,857) 318 172,528 (40,778) (42,428) 131,750 120,043 (6,586) (98,612) 255 162,471 269,080 2.3% (97,137) 24.7% 326 6.2% 172,269 -3.9% (48,107) 1.5% 273,067 260,312 4.9% 269,080 1.5% (213) 9.8% NMF 125,164 119,830 (10,348) (11,050) 114,816 108,780 114,816 10,029 118,809 124,162 (3,747) 4.5% 120,415 -6.4% (9,316) 5.5% 111,099 NMF -3.4% 111,099 3.8% -2.5% 0.2% -15.2% 6.1% 75.8% (100,857) 318 172,528 (40,778) 131,750 (99,742) 255 160,825 (42,428) 118,397 1.1% 24.7% 326 7.3% 172,269 -3.9% (48,107) (97,137) 3.8% -2.5% 0.2% -15.2% 11.3% 124,162 6.1% 3.9% 11.1% 3.3% (6,586) (213) 125,164 118,184 (10,348) (11,050) 114,816 107,134 NMF 5.9% -6.4% (9,316) 7.2% (3,747) 75.8% 120,415 3.9% 11.1% 111,099 3.3% 11,675 NMF 3.3% 114,816 107,134 7.2% 111,099 3.3% 11,675 NMF 2.40 2.40 3.05 2.90 -21.3% -17.2% 2.32 2.32 3.4% 3.4% 2.40 2.40 2.91 2.77 -17.5% -13.4% 2.32 2.32 3.4% 3.4% * Banking Business and Discontinued Operations financials do not include inter-business eliminations. Detailed financials, including inter-business eliminations are provided on pages 58-60 6

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