Investor Presentaiton

Gross loans grew 10.9% q-o-q, Assets Total assets GEL mln up 17.2% YTD and 4,000 19.4% y-0-y 19.2% YTD (11.1% q-o-q up 14.0% y-o-y 3,400.7 3,471.9 3,500 3,147.7 3,154.3 3,258.9 3,186.8 2,980.2 3,124.1 2,907.8 2,913.4 Standalone Gross 3,000 loans grew 7.9% q- 2,500 0-q, up 14.3% YTD and up 15.5% 2,000 Loan book, gross BNB, 2% GEL 41.8 mln BG Bank, 9% GEL 201.0 mln y-o-y 1,500 Retail gross loan 1,000 2,106.7 2,059.7 2,189.4 2,046.8 2,163.3 1,855.7 1,904.7 1,833.1 1,851.9 1,950.6 CB,47% GEL 1,017.4 mln book grew by 500 15.2% YTD and 0 RB & WM, 45% GEL 966.0 mln Corporate gross loan book grew by 15.6% YTD The Balance Sheet growth since the beginning of the year in 1H 2010 resulted in 2.1% market share gain by assets, 1.1% market share gain by gross loans and 2.5% market share gain by client deposits 35% market share by assets, record high level Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Gross loans Corporate loan book breakdown, BoG Standalone Pharmaceuticals and Healthcare, 2% Other, 14% Industry & State, 12% Construction & Trade, 31% Real Estate, 17% Energy, 11% FMCG, 13% Retail loan book breakdown, BoG Standalone Micro loans, 16% Mortgage loans, 42% Credit cards and overdrafts, 15% Consumer and other, 27% Lobko BANK OF GEORGIA www.bog.ge/ir September 2010 Page 26

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