BGEO Group Financial Update

GHG | 9M15 Financial Results (2/2) Revenue from healthcare services by payment sources Revenue from medical insurance by payment sources Change (GEL thousands, unless otherwise noted) 9M15 9M14 V-O-V (GEL thousands, unless otherwise noted) 9M15 9M14 Change y-0-V Referral and specialty hospitals 119,962 85,726 39.9% Community hospitals 13,332 9,797 36.1% Ambulatory clinics 3,734 3,463 Ambulance and rural primary care 7.8% 2,862 -100.0% Private medical insurance products State funded medical insurance products Total 40,724 31,262 27,909 -100.0% 30.3% 40,724 59,171 -31.2% Total 137,028 101,849 34.5% Revenue from healthcare services by business lines Selected Balance Sheet items Change (GEL thousands, unless otherwise noted) 9M15 9M14 y-0-y (GEL thousands, unless otherwise noted) Change 9M15 9M14 V-0-y Government-funded healthcare programs 102,602 48,137 113.1% Total assets, of which: 622,021 365,441 70.2% Out-of-pocket payments by patients 25,990 23,757 9.4% Premises and equipment, net 424,304 249,229 70.2% Private insurance companies, of which: Imedi L health insurance 8,437 29,955 -71.8% 6,125 18,090 -66.1% Total liabilities, of which: Borrowed funds 372,791 222,808 67.3% 223,339 140,413 59.1% Total 137,028 101,849 34.5% Total shareholders' equity: 249,230 142,633 74.7% Holding company of BANK OF GEORGIA BGEO www.bgeo.com Sources: GHG internal reporting, financials are for 9M15 November 2015 GROUP

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