BGEO Group Financial Update

BOG | Leading the competition across the board Peer group's market share in total assets Peer group's market share in gross loans 40% 36.7% 35% 33.8% 34.7% 32.6% 30% 23.7% 25.8% 24.5% 26.9% 25% 20% 15% 10% 5% 0% CL 606 mnanun 5630 BANK OF GEORGIA TBC BANK #1 40% 35.4% 35% BOG 30% 32.5% 32.7% 32.2% 28.3% 25.2% 26.2% % 25% 19.3% 17.9% 20% 16.2% 14.7% 15% 7.3%.0% 5.1% 6.1% 4.8% 5.5% 6.2% 5.8% 7.8% 7.7% 6.3% 10% 6.3% 3.894.8% 4.9% 4.9% 5% 8.3% 6.7% 5.7% 6.6% 7.0% 6.7% 7.2% 6.2%5.8% 4.6% 5.8% 0% hend 6M ProCredit Bank 56 FOL BANK REPUBLIC 30 UPUCO (OBORI • СЛЪЗНОМ ВЗЕМ LIBERTY BANK VTB LodoHOEXC 6060 Others BANK OF SEORGIA mnanun 5630 TBC BANK ProCredit Bank 2012 2013 ■2014 Q3 2015 Foreign banks market share by assets 2006 No state ownership of Foreign banks, 32.0% commercial banks since Local banks, 1994 68.0% Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 ■2012 ■2013 4.8% 4.2% 4.8% 4.8% 5.0% #1 BOG 14.7% 17.79.1% 16.3% 56 FLS BANK REPUBLIC Chahon 63650 LIBERTY BANK утв Others 360 UZ OBORN ■2014 Q3 2015 Peer group's market share in client deposits 3Q 2015 35% 33.1% 31.9% 31.5% 30.7% 30.4% 28.6% 30% 28.8.8% 25% Foreign 20% banks, 25.4% 15% 11.8% 12.0% 9.0% 9.5% 10% 6.9%.8% 5.1% 5.6% 5.3% 5.3% 5.0% 4.8% Local banks, 74.6% 5% 0% mnanun 5630 BANK OF GEORGIA TBC BANK ProCredit Bank | 256375 BANK REPUBLIC В СЛУЗНОМ ВЗЕМ LIBERTY BANK 362 un ■2012 2013 2014 Note: All data based on standalone accounts as reported to the National Bank of Georgia and as published by the National Bank of Georgia www.nbg.gov.ge ■Q3 2015 6.1% 5.4% 5.4% 3.8% #1 BOG 15.2% 12.6% 12.7% 10.0% VTB Others page 18

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