BGEO Group Financial Update

Georgia at a glance • • General Facts Area: 69,700 sq km Population (2012): 4.5 mln Life expectancy: 77 years Official language: Georgian Literacy: 100% Capital: Tbilisi Currency (code): Lari (GEL) Economy Real GDP growth rate 2011-1H15: 7.2%, 6.2%, 3.3%, 4.8%, 2.8% • Nominal GDP (Geostat) 2014: GEL 29.2 bn (US$16.5 bn) • Real GDP average 10 yr growth rate: 5.8% GDP per capita 2014E (PPP) per IMF: US$ 9,209 Annual inflation (e-o-p) 2014: 2.0% • External public debt to GDP 2014: 26.8% Sovereign ratings: S&P BB-/B/Stable, affirmed in May 2015 Moody's Ba3/NP/Positive, affirmed in March 2015 Fitch BB-/B/Stable, affirmed in October 2015 Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 Herdam Hamburg Penza POLAND BELARUS Orel Frankfurt Leipzig Dusseldorf GERMANY CZECH REP. UKRAINE SLOVAKIA Munich LEORENSTEN AUSTRIA MOLDOVA KAZA WICZERLAND HUNGARY Astro SLOVENIA Elista Milan Turin ROMANIA BOSNIA Genoa CROATIA HERZEG Majkop MONACO Florence SAN MARINO YUGOSLAVIA CAN TAUANIA BULGARIA Black Sea Ed Nalak Grozny Naple ICALY MACEDONIA Salon Machat GEORGIA ARMENIA AZERBAUA TURKEY AZER Polaro GEORGIA page 49

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