BGEO Group Financial Update

1,600 1,400 1,200 1,000 800 600 400 200 0 Source: GeoStat Note: services include construction Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 ■Services ■ Agriculture ■Industry Sources: GeoStat 1,900 1,800 1,700 1,600 1,500 1,400 1,300 1,200 1,100 1,000 Employment (thousands) Unemployment rate Further job creation is achievable Georgia's unemployment rate down 2.2ppts y/y to 12.4% in 2014 Average monthly wages and income per household 2009 2010 2011 2012 2013 2014 18% 16% 400 14% 12% 300 10% 8% 200 6% 4% 100 2% 0% 0 2004 500 ▶ Agriculture remains the largest employer, although the share of services in total employment has increased 2,000 1,800 Hired workers account for about 39.7% in total employment 800 700 600 500 400 300 200 100 0 2005 Wages, US$ Total income, US$ Sources: GeoStat 2006 2007 2008 2009 2010 2011 2012 2013 2014 Public sector ■Non-public sector Sources: GeoStat page 54 2006 2007 2008 2009 2010 2011 2012 2013 2014

View entire presentation