BGEo·I NVESTMENT

BECOME GEORGIA PLAT FORM

CAPTURING GROWTH OPPORTUNITIES

Investor Presentation: 30"1 6 & 9M"16 results

www.bgeo.com

This presentation contains forward-looking statements that are based on current beliefs or expectations, as well as assumptions about future events. These forward-looking statements can be identified by the fact that they do not relate only to historical or current facts. Forward-looking statements often use words such as anticipate, target, expect, estimate, intend, plan, goal, believe, will, may, should, would, could or other words similar meaning. Undue reliance should not be placed on any such statement because, by their very nature, they are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results, and BGEO Group pie and its subsidiaries (the "BGEO Group")'s plans and objectives, to differ materially from those expressed or implied in the forward-looking statements.

There are various factors which could cause actual results to differ materially from those expressed or implied in forward-looking statements. Among the factors that could cause actual results to differ materially from those described in the forward-looking statements are changes in the global, political, economic, legal, business and social environment. The forward-looking statements in this presentation speak only as of the date of this presentation. The BGEO Group undertakes no obligation to revise or update any forward-looking statement contained within this presentation, regardless of whether those statements are affected as a result of new information , future events or otherwise.

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BECOME GEORGIAwww.bgeo.com 1111

BGEO Group I Overview 4

Results Discussion I BGEO Group 14

Results Discussion I Banking Business 20

Results Discussion I Investment Business 48

Georgian Macro Overview 81

Appendices 102

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BECOME GEORGIA www.bgeo.com .

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Banki ng Business I nvestment Busi ness

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BECOME GEORGIAwww.bgeo.com .

Bank of Georgia Holdings plc published this content on 05 December 2016 and is solely responsible for the information contained herein.
Distributed by Public, unedited and unaltered, on 05 December 2016 14:33:03 UTC.

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