BGEO Group Financial Update

GEL millions 30-Sep-14 RB GEL millions BGEO | Strong profitability Profit | nine-month Profit quarterly BGEO BGEO +23.5% +29.8% 9.4% 64.0% 3.8% 42.4% 54.5% NMF x5.7 28.7% 37.5% -33.6% 124.7% 7.1% NMF x3.6 90 80.9 215.3 Inv Business. 80 7.5 200 6.6 21.6 -1.6 2.8 174.3 -3.6 Inv business 18.6 18.8 150 104.1 100 58.6 155.5 50 19.8 11.2 193.7 Bank business GEL millions 70 62.3 6.2 60 6.7 8.7 3.6 50 38.9 40 22.2 30 Bank Business 73.4 55.6 20 10 0 9M14 RB CB IM Other BB GHG m2 Other IB 9M15 Change y-o-y 0 3Q14 RB CB IM Other BB Change y-o-y GHG m2 Other IB 3Q15 Equity-excl. Non-controlling interest BGEO +31.2% 2,000 1,800 1,600 1,271 1,400 1,200 205 1,000 800 600 1,066 400 525 566 200 0 23.4% 15.1% 86.6% 20.9% 12.7% NMF 18.9 n/a 1,668 111 439 78 59 Iny business • 191 118 20 1,229 Bank business IM Other BB ROAE 9M15 Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 GHG M2 Other IB BGEO unallocated 30-Sep-15 Key takeaways 9M15 profit increased to GEL 215.3mln, up 23.5% y-o-y and 3Q15 profit increased to GEL 80.9mln, up 29.8% y-o-y driven by strong performance of CB and GHG segments GEL 1,668mln capital allocation: 73.7% and 26.3% to Banking Business and Investment Business, respectively Equity increased to GEL 1,668mln, up 31.2% driven by GEL 212.2mln increase in retained earnings and GEL 219.0mln capital raise completed in December 2014 page 14

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