Investor Presentaiton
Total Client
deposits grew by
46.2% y-o-y in
Q2 '10 (7.5% q-
o-q
Liabilities
Client deposits
GEL mln
2,000
Record high
Wealth Management deposits
GEL mln
+96.9%
131.4 163.1 180.7 212.3
120.0
1,499
WM client
1,500
1,395
1,394
deposits grew
1,326
1,272
151.9
1,193
100.0
1,202
1,183
142.9
107.8
98.7
93.3
96.9% y-o-y
228.4
233.2
1,133
1,025
145.7
212.3
(17.5% q-o-q)
81.6
174.1
76.5
229.4
125.0
180.7
81.6
154.0
80.0
76.5
163.1
1,000
98.7
131.4
70.4
in Q2 '10
70.4
93.3
116.0
107.8
681.5
683.5
656.1
60.0
652.7
FRB client
576.2 626.7
587.6
594.9
605.2
518.4
deposits 59.3%
500
40.0
y-o-y (8.7% q-o-
q) in Q2 10
FCB client
deposits grew
31.8% y-o-y
(4.2% q-o-q) in
363.6 403.4
326.0 319.8
280.4
283.1
331.2 376.1
414.7
450.8
20.0
0
Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010
■RB Client Deposits CB Client Deposits WM Client Deposits Other
0.0
Retail banking deposits
+59.3%
GEL mln
500
Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010
Borrowed funds
GEL mln
-21.6%
Q2 10
GEL 225 mln of
403.4
borrowed funds
repaid in 2009
400
363.6
300
200
100
1500
450.8
414.7
1250
376.1
331.2
326.0
319.8
280.4
283.1
1000
947.8
903.6
795.1
750
500
250
1,137.8 1,162.8
1,011.4
945.6
918.6
913.3
912.0
0
0
Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010
Q1 2008 Q2 2008
Q3 2008 Q4 2008
Q1 2009
Q2 2009
Q3 2009
Q4 2009
Q1 2010 Q2 2010
Lobko
BANK OF GEORGIA
www.bog.ge/ir
September 2010
Page 28View entire presentation