Bank of Georgia Financial Overview

Strong liquidity Liquidity coverage ratio & net stable funding ratio NBG liquidity ratio 149.6% 160.0% 140.0% 125.4%122.5% 120.0% 100.0% 80.0% 60.0% 40.0% 20.0% 0.0% 31-Dec-10 31-Dec-11 31-Mar-12 ■Liquidity coverage ratio ■Net stable funding ratio 125.5% 118.9% 109.0% Bank Standalone, GEL mln 31-Mar-12 31-Dec-11 31-Dec-10 NBG Liquidity Ratio Liquid Assets (NBG) 1,041 1,392 939 Liabilities (NBG) 3,041 3,448 2,492 Liquid Assets Liabilities > 30% Excess liquidity 34.2% 40.4% 37.7% 128 358 191 Maturity gap Liquid assets to total liabilities (IFRS consolidated) GEL '000s GEL mlns 477,927 4,500 40.0% 500,000 400,000 300,000 200,000 100,000 -3.1% -1.8% (100,000) (79,631) (200,000) (300,000) (137,881) -6.1% (269,949) 0-3 Months 3-6 Months 6-12 Months 1-3 Years Cumulative maturity gap Cumulative maturity gap, as % of Total Assets 12.0% 3,853 4,000 3,312 3,542 35.0% 313,298 10.8% 10.0% 3,500 8.0% 31.1% 30.0% 7.1% 6.0% 3,000 2,540 29.9% 2,315 30.9% 34.7% 25.0% 4.0% 2,500 21.8% 20.0% 2.0% 2,000 0.0% 1,338 15.0% 1,500 1,023 1,103 -2.0% 1,000 691 10.0% 554 -4.0% 500 5.0% -6.0% 0.0% -8.0% >3 Years 2008 2009 2010 Liquid Assets Total Liabilities 2011 Q1 2012 Liquid Assets, as % of Total Liabilities BANK OF GEORGIA www.bogh.co.uk www.bankofgeorgia.ge/ir May 2012 Page 16

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