Bank of Georgia Financial Analysis
DISCLAIMER - FORWARD LOOKING STATEMENTS
This presentation contains forward-looking statements, including, but not limited to, statements concerning
expectations, projections, objectives, targets, goals, strategies, future events, future revenues or performance, capital
expenditures, financing needs, plans or intentions relating to acquisitions, competitive strengths and weaknesses, plans or
goals relating to financial position and future operations and development. Although Bank of Georgia Group PLC believes
that the expectations and opinions reflected in such forward-looking statements are reasonable, no assurance can be
given that such expectations and opinions will prove to have been correct. By their nature, these forward-looking
statements are subject to a number of known and unknown risks, uncertainties and contingencies, and actual results and
events could differ materially from those currently being anticipated as reflected in such statements. Important factors
that could cause actual results to differ materially from those expressed or implied in forward-looking statements, certain
of which are beyond our control, include, among other things: currency fluctuations, including depreciation of the Georgian
Lari, and macroeconomic risk; regional tensions and instability; loan portfolio quality; regulatory risk; liquidity risk;
operational risk, cyber security, information systems and financial crime risk; and other key factors that indicated could
adversely affect our business and financial performance, which are contained elsewhere in this document and in our past
and future filings and reports of the Group, including the 'Principal Risks and Uncertainties' included in Bank of Georgia
Group PLC 2Q18 and 1H18 results announcement and in BGEO Group PLC's Annual Report and Accounts 2017. No part of
this presentation constitutes, or shall be taken to constitute, an invitation or inducement to invest in Bank of Georgia
Group PLC or any other entity within the Group, and must not be relied upon in any way in connection with any
investment decision. Bank of Georgia Group PLC and other entities within the Group undertake no obligation to update
any forward-looking statements, whether as a result of new information, future events or otherwise, except to the extent
legally required. Nothing in this presentation should be construed as a profit forecast.
BANK OF GEORGIA
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