Expected Q4 2009 Financial Performance
Introduction to Bank of Georgia
The leading universal bank in Georgia
No.1 by assets (33.6%),(1) loans (31.1%),(1) client deposits (29.3%)(1) and
equity (40.4%)(1)
Leading retail banking, with top brand, best distribution network and broadest
range of services of any bank in Georgia
Retail Accounts
September
June
December
2009
2009
2008
895,000+
880,000+
Cards Outstanding
569,000+
590,000+
866,000+
639,000+
Branches
140
140
151
ATMs
380
394
416
Leading corporate bank with approximately 81,000 legal entities and over
150,000 current accounts
Leading card-processing, leasing, insurance, wealth management and asset
management services provider
The only Georgian entity with credit ratings from all three global rating agencies
S&P: 'B/B' - at the sovereign ceiling
Fitch Ratings: ‘B/B’
Moody's: 'B3/NP (FC)' & 'Ba3/NP (LC)'
Listed on the London Stock Exchange (GDRs) and Georgian Stock Exchange
Market Cap (LSE) US$ 225 mln as of 6 November 2009
Approximately 95% free float
Issue of the first ever Eurobonds in Georgia
Bloomberg: BKGEO; 5 year, 9%, US$200 mln
B/Ba2/B (composite B+)
LOCAL SEO www.bog.ge/ir
BANK OF GEORGIA
Investment highlights
Undisputed leader of Georgian
financial services industry with
market-leading retail and corporate
banking franchise
Strongly positioned to benefit from
US$4.5 bln international assistance
package pledged to Georgia by
international donors in the aftermath
of Russia-Georgia conflict in August
2008
Disciplined capital management, low
leverage, conservative liquidity
position, no exposure to sub-prime
Sophisticated management team with
Western banking & finance
background
Transparency and good governance,
over 89% institutionally owned.
Supervisory Board includes two large
institutional shareholders and two
independent directors
January 2010
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