Bank of Georgia Financial Overview

8.6% Cost of funds and loans to deposits Cost of funds, annual Cost of deposits, annual 7.9% 8.4% 8.4% 8.2% 8.0% 7.8% 7.6% 7.4% 7.2% 2009 9.0% 8.0% 7.0% 6.0% 5.0% 8.0% 4.0% 3.0% 7.7% 2.0% 1.0% 0.0% 2009 2010 Cost of funds, consolidated 2011 7.0% 7.0% 2010 2011 Cost of deposit, currency blended, consolidated BANK OF GEORGIA www.bogh.co.uk www.bankofgeorgia.ge/ir May 2012 Page 20

View entire presentation