Expected Q4 2009 Financial Performance
WM client
Client deposits, BoG Standalone
Total liabilities
Client deposits, BoG Standalone
deposits grew
GEL mln
35.9% YTD 2009
3,000.0
and 86.3%
y-o-y
+16.3%
2,617.7
2,540.1 2,474.9
GEL mln
1,400.0
1,166.6
2,401.1
2,414.9
1,092.8
2,197.9
2,261.6
1,057.5
972.6
1,042.4
979.0
909.2
RB client deposits 1,500.0
795.1
903.6
1,137.8
947.8
1,162.8
918.6
1,011.4
700.0
652.7
681.5
grew 3.8% YTD
576.2
626.7
605.2
594.9
519.0
2009 and 16.2%
q-o-q
1,326.2
1,395.4
1.202.0
1,193.1
1,132.9
1,025.3
1,182.5
363.6
403.4
326.0
319.0
280.4
285.0
331.2
CB client deposits
grew 14.3% q-o-q
Q1 2008
Q2 2008
Client Deposits
Q3 2008 Q4 2008
Borrowed funds
Q1 2009
Q2 2009
Q3 2009
Q1 2008
Q2 2008 Q3 2008 Q4 2008
Q1 2009
Q2 2009
Q3 2009
Other Liabilties
and declined 5.1%
YTD
■RB Client Deposits CB Client Deposits WM Client Deposits
Market share of
retail deposits
grew by 2.4%
YTD
WM Client deposits
140.0
81.6
76.5
70.4
70.0
105.2
96.7
93.3
Net loans/Client deposits
+26.8%
131.4
200.0%
100.0%
174.4%
168.7%
170.6%
160.6%
147.8%
140.3%
136.9%
0.0
Q1 2008
0.0%
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Lobko
BANK OF GEORGIA
www.bog.ge/ir
January 2010
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