Investor Presentaiton

Highlights Corporate Banking (CB) • No.1 corporate bank in Georgia Portfolio breakdowns, 30 September 15 CB standalone Loans by sectors Health and Other 15.4% social work 4.2% Integrated client coverage in key sectors c.5,000 clients served by dedicated relationship bankers Mining and quarrying. 4.6% Financial intermediation 2.8% Construction 5.4% Electricity, gas and water supply 3.3% Loans & Deposits CB standalone GEL millions 2,500 2,253 2,161 2,000 1,819 1,696 1,500 1,221 1,149 1,186 1,000 500 0 2012 Corporate net loans 1,608 2013 2014 9M 2015 Holding company of BANK OF GEORGIA Corporate client deposits BGEO www.bgeo.com GROUP November 2015 Manufacturing 27.1% Trade Transport & Communicatio 16.3% n 5.7% Hospitality 5.1% Real estate 10.1% Time Deposits, 26.9% Deposits by category GEL, 49% FC, 51% Current Account & Demand Deposits, 73.1% Top 10 CB borrowers represent 30% of total CB loan book Top 20 CB borrowers represent 44% of total CB loan book page 37

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