Investor Presentaiton

Gross premiums written breakdown Insurance and Healthcare (ABCI) Gross premiums written & Net premiums earned GPW Summary by Products (GEL ‘000) 2011 2010 2009 70,000 59,559 Health and Life Government 12,750 16,110 21,142 56,306 56,441 60,000 Health and Life Non-Government 17,480 15,298 13,503 50,000 45,477 44,561 46,396 Motor 13,684 12,486 12,315 Property 5,651 5,993 40,000 6,593 Liability insurance 3,004 2,140 2,440 30,000 Other 3,872 4,279 3,566 20,000 Total GPW 56,441 56,306 59,559 10,000 0 2009 Aldagi BCI Revenue by segments ■Gross Premiums Written 2010 2011 ■Net Premiums Earned Aldagi BCI Costs by segments GEL 000s GEL 000s 23,430 35,000 25,000 30,473 30,000 20,000 25,000 20,898 12,213 19,324 14,309 14,679 11,000 20,000 15,000 5,114 3,661 6,349 5,183 15,000 10,000 10,000 15,784 18,260 12,975 5,000 11,018 12,430 9,126 5,000 BANK OF GEORGIA 2009 2010 2011 ■Insurance revenue ■Healthcare revenue www.bogh.co.uk www.bankofgeorgia.ge/ir 2009 2010 2011 Insurance costs Healthcare costs May 2012 Page 28

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