Investor Presentaiton

GEL millions GEL millions Assets BGEO | Balance Sheet, 30 September 2015 BGEO 12,000 10,000 8,000 6,815.7 611.2 6,000 4,000 6,340.4 2,000 45.8% 79.1% 44.2% Banking Business 9,937.9 10,000 1,094.7 9.0% 44.2% 9,140.0 8,000 859.1 9.4% 6,340.4 20.3% 6,000 714.6 9,140.0 93.0% 4,000 37.7% 5,367.3 58.7% 3,897.2 2,000 68.5% 31.9% 0 2,913.7 (136.0) 1,728.7 -2,000 30-Sep-14 (296.8) 30-Sep-15 0 30-Sep-14 30-Sep-15 ■Banking Business assets ■Investment Business assets Liabilities ■Liquid assets ■Net loans Other assets GEL millions GHG M2 Real Estate 618.3 600.0 300.0 264.0 500.0 194.3 31.4% 250.0 71.9 27.2% 400.0 200.0 29.2% 300.0 150.0 77.2 200.0 423.9 68.6% 100.0 43.6% 100.0 50.0 115.0 0.0 0.0 30-Sep-15 PPE Other assets BGEO 12,000 10,000 Banking Business 10,000.0 GHG 8,000 49.1% 8,179.9 4.5% 8,000.0 50.2% 7,892.0 600.0 584.8 6,000 5,487.4 59.1% 6,000.0 30.4% 230.7 2.9% 1,000.0 12.7% 367.6 5,255.8 30.1% 4,000 50.2% 96.5% 4,000.0 177.0 768.3 7,892.0 72.3% 2,011.8 25.5% 2,000 5,255.8 1,167.6 2,000.0 -2,000 0 (136.0) 30-Sep-14 3,143.0 47.9% 4,649.6 GEL millions 500.0 369.3 400.0 (296.8) 30-Sep-15 58.9% 30-Sep-14 Banking Business liabilities Investment Business liabilities Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 30-Sep-15 Other liabilities Debt securities issued ■Amounts due from credit institutions. ■Client Deposits and Notes 300.0 30-Sep-15 ■Inventories Investment properties Other assets M2 Real Estate 250.0 186.4 200.0 2.1% 3.8 300.0 148.4 40.2% 150.0 131.3 70.4% 200.0 100.0 59.8% 100.0 221.0 50.0 51.3 27.5% 0.0 30-Sep-15 Other liabilities ■Borrowed funds 0.0 30-Sep-15 Other liabilities Accruals and deferred income ■Borrowed funds page 15

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