Bank of Georgia Financial Overview

Corporate Banking (CB): Strong growth of the diversified CB loan book Integrated client Highlights coverage in the following key sectors Trade Energy Fast Moving Consumer Goods (FMCG) Real Estate FInfrastructure Industry Pharmaceuticals & healthcare State Hospitality No.1 corporate bank in Georgia Circa 41.4% market share based on customer deposits (1) Integrated client coverage in key sectors Corporate loan portfolio, 31 March 2012 Other, GEL 113 mln, 7.7% Hospitality, GEL 133 mln, 9.2% State, GEL 20 mln, 1.4% More than 8,900 clients served by dedicated relationship bankers Increased number of corporate clients using the Bank's payroll Pharmaceuticals & services from 1,737 in 2010 to 2,603 in Q1 2012 Gearing up for launching macro and sector research covering Caucasus region by the brokerage subsidiary Corporate client deposits, 31 March 2012 healthcare, GEL 64 mln, 4.4% Industry, GEL 210 mln, 14.5% Trade, GEL 349 mln, 24.1% Energy, GEL 135 mln, 9.3% FMCG, GEL 193 mln, 13.3% Infrastructure deevlopment, GEL 86 mln, 5.9% Real Estate development, GEL 147 mln, 10.2% Corporate gross loan and deposit growth GEL mln 1,800 1,600 Time Deposits, 45% 1,400 1,200 Current 940 Accounts & 1,000 734 Demand 800 Deposits, 600 55% 400 200 Notes: Total corporate deposits: GEL 1,429 mln (1) source: National Bank of Georgia, does not include interbank deposits BANK OF GEORGIA www.bogh.co.uk www.bankofgeorgia.ge/ir 2009 1,574 1,425 1,450 1,429 1,363 1,229 2010 2011 Q1 2012 ■Corporate client deposits Corporate gross loans May 2012 Page 26

View entire presentation