Investor Presentaiton

8.3% 8.3% 100 7.2% 40 Net Interest Margin (NIM) improved from 8.0% in Q1 2010 to 8.3% in Q2 2010 as Cost of Funds declined Profitability & selected ratios Cost of funds 120 808 60 00 10 94.5 49.4 49.8 98.8 42.4 101.8 45.1 43.0 44.8 Net loans/Client deposits 10% 200% 8.6% 8.5% 9% 180% 174.4% 8.3% 168.7% 170.6% 7.8% 160.6% 93.7 95.0 8% 160% 89.0 147.8% 7% 136.9% 140% 6% 104.1 120% 52.4 5% 100% 4% 80% 3% 60% 2% 20 1% 40% 0 0% 20% Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 0% Interest Income Interest Expense Cost of Funds Net interest margin (annualized) 12% 140.3% 131.9% 131.7% 127.5% Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Cost Income Ratio 9.8% 10.1% 10% 160% 8.9%9.1% 9.3% 9.8% 9.0% 9.1% 9.9% 9.0% 8.5% 9.1% 8% 8.1% 8.6% 8.8% 8.9% 8.0% 8.3% 8.6% 120% 7.5% 7.8% 8.0% 6% 4% 2% 0% Q4 2007 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 -Net Interest Margin, Group Consolidated Net Interest Margin, BoG Standalone Lobko BANK OF GEORGIA www.bog.ge/ir 200% 90.0% 198.3% A 65.3% 80% 60.8% 59.1% 52.9% 54.9% 57.8% 58.0% 55.5% 50.5% 53.9% 49.30 60.7% 50.80 49 5 46 5% 49.9% 40% 50.0% 48.9% 44.8% 44.0% 47.3% 46.5% 48.1% 47.1% 41.0% 0% Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 -Cost/Income Ratio, Consolidated Cost/Income Ratio, Bank of Georgia Standalone -Cash Cost/Income Ratio, Consolidated September 2010 Page 34

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