Investor Presentation

ALDAGI Diversified source of revenue Source of Revenue Healthcare 38.3% Health 44.4% P&C 15.7% Life 1.7% 20%+ ROAE ROAE 25.3% CONSOLIDATED KEY FIGURES Doubled EBITDA Y-0-Y Gross Revenue | GEL '000 EBITDA | GEL '000 150,025 111,865 34,364 18,242 Improved Net Profit Margin Net Profit | GEL '000 NPM 12.2% 18,332 9.0% 10,016 Sep YTD 2013 Sep YTD 2012 Sep YTD 2013 Sep YTD 2012 Sep YTD 2013 Sep YTD 2012 Balance sheet captions Leverage Assets GEL '000 Equity GEL '000 Net Debt | GEL '000 352,155 21.7% 341,852 111,519 79,988 83,974 68,114 Sep YTD 2013 Sep YTD 2012 30.Sep.13 30.Sep.12 30.Sep.13 30.Sep.12 30.Sep.13 30.Sep.12 17

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