Bank of Georgia Financial Overview

Retail Banking (RB) – No. 1 retail bank in Georgia Retail Bank loans originated - Total retail gross loans: GEL 1,274 mln Retail Bank gross loan portfolio, 31 March 2012 Automobile loans, POS loans, GEL 32 mln, 2.5% GEL 24 mln, 1.8% Pawn loans, GEL 83 mln, 6.5% GEL mln 400.0 350.0 300.0 250.0 196.4 200.0 150.0 100.0 50.0 335.0 313.3 259.4 219.7 Q1 2011 Q2 2011 Q3 2011 Q4 2011 Q1 2012 ■Retail loans issued Retail gross loans and deposits growth GEL mlns 1,400 1,200 1,000 800 1,268 1,274 1,063 840 707 709 6666 535 600 376 400 200 BANK OF GEORGIA 2009 Retail gross loans 2010 2011 ■Retails client deposits Q1 2012 www.bogh.co.uk www.bankofgeorgia.ge/ir Credit Cards and Overdrafts, GEL 146 mln, 11.5% Mortgage loans, GEL 364 mln, 28.6% General consumer loans, GEL 302 min, 23.7% Micro- SME loans, GEL 324 mln, 25.4% Note: does not include Wealth Management loans of GEL 44.8 mln and BNB loans of GEL56.7 mln May 2012 Page 24

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