BGEO Group Financial Update

Banking Business | growing income notwithstanding the pressure on yields Loan Yields annual Banking Business Loan Yields | quarterly Banking Business 20% 17.2% 100% 20% 100% 16.2% 80% 60% 40% 74.0% 69.1% 30.9% 20% 26.0% 11 14.3% 14.7% 80% 14.6% 14.7% 15% 14.2% 15% 60% 10% 10% 40% 69.6% 70.0% 70.7% 70.7% 72.8% 5% 5% 29.3% 30.4% 30.0% 29.3% 27.2% 20% 0% 0% 0% 2012 2013 2014 9M 2015 Q3 - 2014 Q2-2015 0% Q3-2015 Net loans, GEL, consolidated Net loans, FC, consolidated Currency-blended loan yield Net loans, FC, consolidated Net loans, GEL, consolidated. Currency-blended loan yield, annualised Loan Yields, GEL | quarterly Banking Business 24% Loan Yields, foreign currency | quarterly Banking Business 22.8% 14% 23% 11.5% 11.4% 11.2% 12% 21.6% 22% 10% 21% 19.8% 20% 8% 6% 4% 19% 2% 18% 0% Q3 2014 Q2 2015 Q3 2015 Q3 2014 Q2 2015 Q3 2015 Loan yield, GEL Loan yield, FC Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 Loan yields excluding provisions page 29

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