Economy Annex

Assets Total assets GEL mln Gross loans grew 10.9% q-o-q, up 17.2% YTD and up 14.0% y-o-y Loan book, gross BNB, 2% GEL 41.8 mln BG Bank, 9% GEL 201.0 mln 4,000 3,471.9 The Balance Sheet growth since the 3,400.7 3,500 3,154.3 3,258.9 3,186.8 3,147.7 2,980.2 2,907.8 3,124.1 2,913.4 3,000 beginning of the year in 1H 2010 2,500 resulted in 2.1% 2,000 market share gain by assets, 1.1% 1,500 market share gain by gross loans and 1,000 2,106.7 2,059.7 2,189.4 2,046.8 2,163.3 1,855.7 1,904.7 1,833.1 1,851.9 1,950.6 2.5% market share 500 gain by client 0 deposits CB, 47% GEL 1,017.4 mln RB & WM, 45% GEL 966.0 mln Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Gross loans Corporate loan book breakdown, BoG Standalone Retail loan book breakdown, BoG Standalone Other, 14% Pharmaceuticals and Healthcare, 2% Industry & State, 12% Trade, 31% Construction & Real Estate, 17% Energy, 11% FMCG, 13% Lobko BANK OF GEORGIA www.bog.ge/ir Micro loans, 16% Mortgage loans, 42% Credit cards and overdrafts, 15% Consumer and other, 27% October 2010 Page 23

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