Investor Presentaiton

Banking Business | Diversified asset structure Total asset structure | 30 September 2015 Banking Business Total: GEL 9.1bln Other assets Liquid assets | 30 September 2015 Banking Business Total: GEL 2.9bln Other liquid assets 3.0% 9.4% Loans to customers, net 58.7% Liquid assets 31.9% Loans breakdowns | 30 September 2015 Banking Business Total Loans breakdown by segments Total: GEL 5.5bln Retail Banking Loans breakdown by product Total: GEL 2.8bln Legacy retail loans Other loans 2% 0% Card overdrafts 1% Credit card balances 10% Retail loans, GEL 2,979.2 mln, 53.7% Corporate loans, GEL 2,570.0 mln, 46.3% Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 Car loans (auto+) 1% POS loans 4% Government bonds, treasury bills, NBG CDs 27.9% Cash and equivalents 45.1% Amounts due from credit institutions 24.0% SME loans 12% Health and social work 4.2% Mining and quarrying. Other 15.4% 4.6% Financial intermediation Micro loans 20% Mortgage loans 28% 2.8% Construction 5.4% Electricity, gas. and water supply Consumer loans 22% Corporate Banking Loans breakdown by sectors Total: GEL 2.3bln Manufacturing 27.1% Trade 3.3% Transport & 16.3% 5.7% Communication Hospitality 5.1% Real estate 10.1% *Retail loans include loans of Retail Banking segment, BNB retail loans, Investment Management and Affordable Housing Mortgages, Corporate loans include Corporate Banking Segment and BNB Corporate loans page 19

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