Expected Q4 2009 Financial Performance
Equity & Capital adequacy
Total Shareholder's equity
GEL mln
NBG capital adequacy ratios, BoG Standalone
30.0%
900.0
20.4%
783.0
20.0% 18.3%
18.2%
17.8%
746.7
739.3
15.8%
16.6%
16.4%
750.0
718.8
718.5
711.8
709.9
21.2%
10.0%
17.4% 18.4%
16.3%
15.1% 15.5%
13.5%
600.0
Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009
Q3 2009
0.0%
Q1 2008 Q2 2008 Q3 2008
■Tier I Capital Adequacy Ratio
BIS capital adequacy ratios, BoG Consolidated
40.0%
30.0%
25.4%
25.2%
25.0%
24.7%
23.9%
22.5% 22.2%
25.8%
20.0%
25.8%
25.3%
27.3% 31.7%
34.2%
34.6%
10.0%
0.0%
Q1 2008
Q2 2008 Q3 2008
Q4 2008
Tier I Capital Adequacy Ratio
Q1 2009 Q2 2009 Q3 2009
Total Capital Adequacy Ratio
Lobko
BANK OF GEORGIA
www.bog.ge/ir
Q4 2008 Q1 2009 Q2 2009 Q3 2009
■Total Capital Adequacy Ratio
Highlights
Total Capital Adequacy Ratio of Bank of
Georgia Standalone grew to 21.2% from
18.4% in Q2 2009
Tier 1 Capital adequacy Ratio of Bank of
Georgia Standalone grew to 20.4% from
17.8% in Q2 2009
Both ratios by NBG standards
The increase mostly a result of the
Georgian FSA's decision to reduce the
risk-weighting of foreign currency
denominated loans from 175% to 150%
January 2010
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