Investor Presentaiton

GBP BGEO | Shareholder structure and share price BGEO shareholder structure As of 30 September 2015 17% 3% 2% Top Shareholders As of September 2015 7% 30% ■Unvested and unawarded shares for management and employees ■ Vested shares held by management and employees ■ UK/Ireland 41% ■ US/Canada ■Scandinavia ■ Others Share price performance Up 120% since premium listing¹ 24 18 16 14 12 10 8 222226±20% 22222222NO BGEO LN GDR Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 Aug-13 Sep-13 Oct-13 Nov-13 Dec-13 Jan-14 Feb-14 Mar-14 Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 vay- Jun-15 Jul-15 255555555 BGH has been included in the FTSE 250 and FTSE All-share Index Funds since 18 June 2012 US$ Rank Name Ownership % 1 Schroders Investment Management 10.42 2 Harding Loevner Management LP 9.09 3 Westwood International Advisors 4.34 4 Artemis Investment Management 3.29 5 Firebird Management LLC 3.19 x50 growth in market capitalisation Average daily trading volume Market Capitalisation 10,000,000 9,500,000 1,200 1,060 9,000,000 1,000 8,000,000 7,000,000 6,000,000 5,300,000 5,000,000 4,000,000 3,000,000 US$ millions 800 600 400 2,000,000 2,000,000 950,000 1,000,000 200 21 0 Average daily trading volume 2011 2012 2013 2014 30-Sep-04 5-Oct-15 Share price change calculated from the last price of BGEO LI on 27 February 2012 to the price of BGEO LN on 5th October 2015 2 Market capitalisation for Bank of Georgia Holdings PLC, the Bank's holding company, as of 5th October 2015, GBP/USD exchange rate of 1.5223 page 4

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