Investor Presentaiton
Loan portfolio quality
Bank of Georgia Loan quality under the following stress tests
standalone NPLs
declined 5.6% q-
0-q to GEL
129.2 million,
while BG Bank'
(Ukraine) NPLs
grew 45.6% q-o-
q to GEL 41.9
million
Armed conflict with Russia in August 2008
17% devaluation of Lari against US$ in one day in November 2008
Political crisis in Georgia peak in Spring 2009
NPLs, BoG Standalone
NPLs Consolidated
GEL mln
200
180
160
140
1320
100
554.4%
30.1
23.9
28.6
600%
500%
32.1
44.6
400%
69.2
58.9
300%
88
80
208.4%
17.2
51.3
61.4
75.4
138.3%
60-
7.169.1%
200%
1211%
118.8%
99.3%
119.3%
102.6% 109.3%
40
100%
41.6
20
22.4
11.3
10.9
35.9
22.7
67.6
70.3
8.1
9.7
12.0
46.3
54.5
67.4
0
0%
Q1 2008 Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
RB & WM
CB
Other*
Q3 2009
NPL coverage ratio
Q4 2009
Q1 2010
Q2 2010
* Other NPLs include BNB and BG Bank
Loan loss reserve, Consolidated
GEL mln
GEL mln
160
8%
7.5%
7.5%
200.0
7.4%
9.1% 9.0%
10.0%
8.9%
8.8%
6.8%
140-
6.9%
6.9%
180.0
9.0%
7.4%
7%
7.8%
7.0%
160.0
8.0%
120
6.7%
6.4%
6.5%
6%
5.5%
140.0
6.3%
6.3%
7.0%
4.9%
100
80
5%
120.0
5.0%
6.0%
4.7%
100.0
189.8
5.0%
80
4%
3.2%
166.3 167.0
173.3
111.3
80.0
4.0%
118.7
136.8
147.7
129.2
115.9
60
3%
129.0
127.9
60.0 2.1% 2.1%
3.0%
40 -1.9%
2.0%
87.4
64.3
1.3%
1.7%
101.4
40.0
2.0%
2%
20.0
39.6 44.4
1.0%
20 H2%
32.1
23.3
19.0
0
Q1 2008
Q2 2008
1%
0.0
0.0%
Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 04 2009 Q1 2010
NPLS % of Gross loans Loan loss reserve as % of gross loans
0%
Q2 2010
Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010
Loan loss reserves
Reserve For Loan Losses To Gross Loans, BoG Consolidated
Labo
BANK OF GEORGIA
www.bog.ge/ir
September 2010
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