Q3 2009 Results Overview

WM client Client deposits, BoG Standalone Total liabilities Client deposits, BoG Standalone deposits grew GEL mln 35.9% YTD 2009 3,000.0 and 86.3% y-o-y +16.3% 2,617.7 2,540.1 2,474.9 GEL mln 1,400.0 1,166.6 2,401.1 2,414.9 1,092.8 2,197.9 2,261.6 1,057.5 972.6 1,042.4 979.0 909.2 RB client deposits 1,500.0 795.1 903.6 1,137.8 947.8 1,162.8 918.6 1,011.4 700.0 652.7 681.5 grew 3.8% YTD 576.2 626.7 605.2 594.9 519.0 2009 and 16.2% q-o-q 1,326.2 1,395.4 1.202.0 1,193.1 1,132.9 1,025.3 1,182.5 363.6 403.4 326.0 319.0 280.4 285.0 331.2 CB client deposits grew 14.3% q-o-q Q1 2008 Q2 2008 Client Deposits Q3 2008 Q4 2008 Borrowed funds Q1 2009 Q2 2009 Q3 2009 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Other Liabilties and declined 5.1% YTD ■RB Client Deposits CB Client Deposits WM Client Deposits Market share of retail deposits grew by 2.4% YTD WM Client deposits 140.0 81.6 76.5 70.4 70.0 105.2 96.7 93.3 Net loans/Client deposits +26.8% 131.4 200.0% 100.0% 174.4% 168.7% 170.6% 160.6% 147.8% 140.3% 136.9% 0.0 Q1 2008 0.0% Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Lobko BANK OF GEORGIA www.bog.ge/ir January 2010 Page 46

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