Investor Presentaiton

Selected Financial Information P&C Insurance (Aldagi) INCOME STATEMENT GEL thousands, unless otherwise stated 3Q15 3Q14 Change 2Q15 y-o-y Change q-o-q 9M15 9M14 Change y-o-y Net banking interest income 628 113 NMF 567 10.8% 1,741 248 NMF Net fee and commission income 80 87 -8.0% 72 11.1% 223 241 -7.5% Net banking foreign currency gain (1,096) 6 NMF 1,687 NMF 1,119 60 NMF Net other banking income 254 108 135.2% Gross insurance profit 6,297 4,076 54.5% 90 3,853 182.2% 641 398 61.1% 63.4% 15,757 12,840 22.7% Revenue 6,163 4,390 40.4% 6,269 -1.7% 19,481 13,787 41.3% Operating expenses (2,959) (2,245) 31.8% (2,524) 17.2% (8,453) (6,412) 31.8% Operating income before cost of credit risk 3,204 2,145 49.4% 3,745 -14.4% 11,028 7,375 49.5% Cost of credit risk (199) (44) NMF (172) 15.7% (466) (371) 25.6% Profit before income tax 3,005 2,101 43.0% 3,573 -15.9% 10,562 7,004 50.8% Income tax (expense) benefit Profit (503) (278) 80.9% (150) NMF (265) (1,101) -75.9% 2,502 1,823 37.2% 3.423 -26.9% 10,297 5,903 74.4% Holding company of BANK OF GEORGIA BGEO GROUP www.bgeo.com November 2015 page 85

View entire presentation