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Investor Presentaiton

Key drivers of economic growth Regional Hub Financial Services Libertarian Economy Export Growth FDIS Increased importance of Georgia as regional transportation and logistics hub with geopolitically important location for cross country trade and energy transit. Export CAGR of 17% from 2003 to 2009; 33% y-o-y increase in nine months 2010. Net electricity exporter since 2007. FDI averaging at 16% of GDP during past three years, with cumulative FDI (2004-2009) in country reaching 60.5% of GDP as of YE 2009. Rapidly developing Financial sector with demonstrated resilience to crises (conservative regulation; No government bailouts) with high capital base to support the growth. Lobko BANK OF GEORGIA www.bog.ge/ir November 2010 Page 8
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