BGEO Group Financial Update

Retail Banking | Strong loan book growth RB Loan Yield | quarterly RB standalone RB Cost of Deposits | quarterly RB standalone 30.0% 5.0% 4.6% 24.7% 23.6% 4.3% 25.0% 4.5% 21.5% 3.9% 4.0% 3.7% 4.0% 3.7% 3.5% 3.6% 3.5% 20.0% 17.2% 17.3% 17.9% 3.5% 3.0% 15.0% 12.1% 11.2% 11.4%. 2.5% 2.0% 10.0% 1.5% 5.0% 1.0% 0.5% 0.0% 0.0% Loan Yield Loan yield, GEL Loan yield, FC Cost of deposits Cost of deposits, GEL Cost of deposits, FC ■3Q14 2015 ■3Q15 ■3Q14 2Q15 ■3Q15 RB NIM | quarterly RB standalone 12.0% 11.0% 10.0% 9.7% 9.5% 9.5% 9.0% 8.0% 7.0% 6.0% 5.0% 3Q14 2Q15 3Q15 NIM Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 page 35

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