Q3 2009 Results Overview

2009 YTD Net Foreign Currency related income, Revenue cont'd Net fee & commission income GEL mln decreased by 32.5%, due to the decrease of FX transaction volumes in Georgia and 15.0 10.9 10.2 10.2 10.0 6.1 Net foreign currency related income GEL mln 20.0 11.6 11.1 10.5 15.0 13.2 10.4 10.0 9.4 14.9 -31.4% Ukraine 5.0 8.8 7.1 6.5 5.0 2009 YTD Income from 0.0 documentary Q12008 Q2 2008 Q3 2008 Q4 2008 Q12009 0.0 Q2 2009 Q3 2009 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 operations increased by 26.4% 2009 YTD Net Other Non Income from documentary operations +37.3% GEL mln Interest Income 3.0 increased by Other non-interest income GEL mln +112% increase in brokerage 103.7%, mostly due to the 2.0 1.9 1.7 1.4 1.4 12 2.3 10.7 11.1 2.3 1.8 7.8 8 6.5 7.8 7.1 5.0 1.3 1.9 (+21.5% YTD) 1.0 4 and insurance 0.4 0.3 1.3 1.6 0.1 5.1 4.9 (+123.2% YTD) 3.2 3.0 2.5 1.7 income 1.6 0.0 0 Q12008 Q2 2008 Q3 2008 Q4 2008 Q12009 Q2 2009 Q3 2009 Lobko BANK OF GEORGIA www.bog.ge/ir QI 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Net Insurance Income Brokerage Income January 2010 Page 41

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