Bank of Georgia Financial Overview

Total Client deposits grew by 40.3% y-o-y in Q3 '10 (11.5% q-o-q) WM client Liabilities, Consolidated Client deposits GEL mln 2,000 +61.8% Record high Wealth Management deposits +210.5% GEL mln 218.7 211.2 220 1,659 200 180.7 1,487 146.1 deposits grew 1,395 1,394 180 163.1 1,326 144.9 1,272 142.9 62.7% y-o-y 228.2 160 1,202 1,193 233.2 1,183 1,133 145.7 134.4 (3.6% q-o-q) in Q3 '10 229.4 147.7 1,025 128.6 799.4 140 134.0 967 682.5 115.7 656.1 120 107.8 98.6 681.5 587.6 93.3 652.7 626.2 596.7 100 81.6 576.2 605.2 518.4 76.5 218.7 70.4 FRB client 80 211.2 180.7 deposits 51.5% 81.6 163.1 76.5 y-o-y (10.2% q- 363.6 403.4 70.4 98.6 326.0 320.4 134.4 60 93.3 107.8 280.4 283.1 326.3 376.1 414.7 448.6 494.2 40 o-q) in Q3 10 20 -66 FCB client Q1 Q2 Q3 2008 2008 2008 Q4 2008 deposits grew RB Client Deposits Q1 Q2 2009 2009 WM Client Deposits Q3 Q4 Q1 2009 2009 2010 CB Client Deposits Q2 Q3 0 2010 2010 Other Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2008 2008 2008 2008 2009 2009 2009 2009 2010 2010 2010 34.0% y-o-y Retail banking deposits +76.3% (17.1% q-o-q) in GEL mln Q3 10 500 GEL 225 mln of borrowed funds repaid in 2009 403.4 400 363.6 300 Volume of CB deposits outstanding GEL mln 900 494.2 448.6 800 414.7 152.5 700 376.1 135.6 600 145.6 104.6 326.3 188.7 326.0 320.4 279.0 185.8 153.6 119.3 139.4 71.7 500 199.5 75.1 283.1 116.3 280.4 53.6 74.2 69.3 78.1 400 90.2 39.2 26.8 79.2 Loka 200 100 0 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Q3 2010 BANK OF GEORGIA www.bog.ge/ir 300 542.3 475.2 200 410.4 363.3 382.3 403.2 435.5 370.0 349.9 350.2 322.9 100 0 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Q3 2010 Volume of CB time deposits outstanding Volume of CB demand deposits outstanding Volume of CB current accounts outstanding November 2010 Page 31

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