1. TBC Bank All numbers are IFRS consolidated audited for the year ends and unaudited for the 1Q 2012 unless otherwise noted

2. Financial Highlights and Ratios (As of and for the 31 March 2012) GEL millionUSD million Total assets 3,4742,093 Net loans 2,1061,269 Customer deposits 2,0821,254 Stockholders’ equity 496299 Financial Ratios ROaE (annualized)20.9% Cost to income55.0% Tier 1 CAR (BIS)18.5% Corporate 46.9% Retail 36.0% SME 10.7% Micro * 6.4% FitchMoody’s Long Term B+Foreign Currency B1 Ratings  No 1 in Retail Deposits – 34.2% of market share as at 31 March 2012  A leading bank in the country with 26.4% and 26.8% market share of total customer loans and total assets respectively as at 31 December 2011  52 branches, 205 ATMs, 2,446 POS’s across Georgia  Number of accounts c. 800,000; Number of employees c. 2,600  Entered microfinance segment in May 2011 through acquiring Bank Constanta  Presence in Azerbaijan-subsidiary TBC Kredit - non-banking credit organization TBC Bank (General Information) Key Facts About TBC Shareholder Structure Note: *Micro Segment includes Constanta Portfolio, Number of branches and number of accounts excludes Constanta Loan portfolio composition as per the segments – 31 Mar 2012 Note: Exchange Rate Used: USD/GEL 1.6600 as at 31 March 2012 2 Two Founder Shareholders28.0% European Bank for Reconstruction and Development (EBRD)20.0% International Financial Corporation (IFC)20.0% Deutsche Investitions-und Entwicklungsgesellschaft (DEG)11.4% JP Morgan5.4% Ashmore4.6% Netherlands Development Finance Company (FMO)3.3% Management and others7.3% Source: Market Shares based on National Bank of Georgia. NBG Reporting Standard

3. 1993 TBC Bank obtained banking license 1993 TBC Bank obtained banking license 2004 TBC Leasing began operations 2004 TBC Leasing began operations 2008 TBC Bank raised USD206m from foreign investors 2008 TBC Bank raised USD206m from foreign investors 20052000 1997 TBC entered into a credit line with large financial institutions 1997 TBC entered into a credit line with large financial institutions 2002 TBC Bank became a principle member of VISA- INTERNATIONAL 2002 TBC Bank became a principle member of VISA- INTERNATIONAL 1996 TBC Bank became a member of the S.W.I.F.T. system 1996 TBC Bank became a member of the S.W.I.F.T. system 1996 1997 200320092010 2009 EBRD, FMO, JP Morgan and Ashmore became the shareholders of TBC Bank 2009 EBRD, FMO, JP Morgan and Ashmore became the shareholders of TBC Bank History and Selected Awards 1998200720062011 1998 TBC Bank received funds from EBRD, IFC and DEG 1998 TBC Bank received funds from EBRD, IFC and DEG 2006 TBC entered into USD35 m loan facility with Citibank 2006 TBC entered into USD35 m loan facility with Citibank 2007 Bank acquired 75% of SOA Credit (renamed TBC Kredit LLC), company incorporated in Azerbaijan 2007 Bank acquired 75% of SOA Credit (renamed TBC Kredit LLC), company incorporated in Azerbaijan 2011 In March 2011, TBC Bank acquired controlling stake of the share capital of Bank Constanta 2011 In March 2011, TBC Bank acquired controlling stake of the share capital of Bank Constanta 3 2005 TBC Bank obtained license of general member bank from “MasterCard International” 2005 TBC Bank obtained license of general member bank from “MasterCard International” 2010 TBC Bank was named “Bank of the Year”in Georgia according to the Banker magazine 2010 TBC Bank was named “Bank of the Year”in Georgia according to the Banker magazine 2000 IFC and DEG became TBC Bank shareholders 2000 IFC and DEG became TBC Bank shareholders 2012 TBC Bank was named “Best Bank in Georgia 2012” by the Global Finance Magazine 2012 TBC Bank was named “Best Bank in Georgia 2012” by the Global Finance Magazine Global Finance Award Best Bank in Georgia 2006 Global Finance Award Best Bank in Georgia 2005 Global Finance Award Best Bank in Georgia 2007 Global Finance Award Best Bank in Georgia 2012

4. Number of world’s largest financial institutions have partnered with Georgian banks : Y 2000Y 2002 Y 2004Y 2006Y 2008Y 2010Y 20111Q 2012 Total Loans (GEL m)Retail Deposits (GEL m)Total Deposits (GEL m) Georgian Banking Sector Eight Largest Banks as of 31 March 2012 4 Source: National Bank of Georgia. NBG Reporting Standard

5. Health Care Sector In TBC Bank 5 2008200920102011 HealthCare Portfolio6,7788,60438,17965,737 HC to total portfolio %1% 5%7% HC Portfolio growth %27%344%72%

6. TBC Bank Partners for Health Care Investment USAIDGuarantee line $20 mln for HC Portfolio Guarantee line $4 mln for HC Project HSSPFree Consultations in Budgeting (for clients) Trainings in Environmental Rules (Hospital operation) Trainings in Environmental Rules (Building, Renovation) NateliConsultation in Energetic Efficiency TBC LeasingLeasing service for Hospitals 6

7. Contacts Mariam Megvinetukhutsesi TEL:+(995 32) 227 27 27 (2025) Corporate Director FAX:+(995 32) 277 27 74 E-MAIL:Mariamm@tbcbank.com.ge Zurab Gelenidze TEL:+(995 32) 227 27 27 (2101) Deputy Corporate Director FAX:+(995 32) 277 27 74 E-MAIL:zgelenidze@tbcbank.com.ge Lasha Sabadze TEL:+(995 32) 227 27 27 (2144) Senior Corporate Banker FAX:+(995 32) 277 27 74 E-MAIL:LSabadze@tbcbank.com.ge Visit Our Website: www.tbcbank.ge 7