Investor Presentaiton
Introduction to Bank of Georgia
The leading universal bank in Georgia
No.1 by assets (35%), (¹) gross loans (33%), (¹) client deposits (30%) (¹) and equity (40%) (¹)
Assets of GEL 3.5 bn (USD 1.9 bn), Net Loans of GEL 2.0 bn (USD 1.1 bn), Client Deposits of GEL 1.5 bn (USD 0.8) and Equity of
GEL 649.3 million (USD 352.1 bn)
Leading retail banking, with top brand, best distribution network and broadest range of services of any bank in Georgia
June 2010
March 2010
June 2009
Number of Retail Clients
714,400+
732,900+
695,000++
Retail Accounts
Cards Outstanding
Branches
953,000+
996,500+
935,000+
551,000+
570,000+
590,000+
137
140
140
ATMs
387
379
394
Leading corporate bank with approximately 88,100+ legal entities and over 164,800+ current accounts
Leading card-processing, leasing, insurance, wealth management and brokerage services provider
Banking operations in Ukraine and Belarus, with BG Bank (Ukraine) and BNB (Belarus) accounting for less than 10% of BoG's
consolidated total assets
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$ 383 mln as of 10 September 2010
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+)
Ownership Structure
Management &
Local Shares Employees**,
Held by
Institutional
Shareholders
5.6%
3.3%
Local Shares
Held by
Domestic and
Foreign Retail
Shareholders,
3.8%
GDR Holders*,
87.3%
(1) All data according to the NBG as of 30 June 2010
LOLO
BANK OF GEORGIA
www.bog.ge/ir
*through BNY Nominees Limited
** includes GDRs held as part of EECP
September 2010
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