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JSC Bank of Georgia (BGEO)

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Wednesday 18 July, 2007

JSC Bank of Georgia

Annual Information Update

Bank of Georgia

                               JSC Bank of Georgia

    Annual Information Update for 12 months up to and including 18 July 2007

This annual information update is filed pursuant to Prospectus Rule 5.2 made by
the Financial Services Authority and not for any other purpose and by filing
this annual information update neither the Company, nor any other person, takes
any responsibility for, or makes any representation, express or implied, as to
the accuracy or completeness of, the information contained or referred to below
herein. The information referred to below is not necessarily up to date as at
the date of this annual information update and the Company does not undertake
any obligation to update any such information in the future. Furthermore, such
information may have been prepared in accordance with the laws or regulations of
a particular jurisdiction and may not comply with or meet the relevant standards
of disclosure in any other jurisdiction. Neither this annual information update,
nor the information referred to below constitutes, by virtue of this
communication, an offer of any securities addressed to any person and should not
be relied on by any person.

The following UK regulatory announcements have been made via a Regulatory
Information Service:

Date of Publication             Description
17 July 2007                    Result of AGM
13 July 2007                    Director/PDMR Shareholding
9 July 2007                     Director/PDMR Shareholding
2 July 2007                     Issue of Debt
29 June 2007                    Annual Reports and Accounts
12 June 2007                    Director/PDMR Shareholding
1 June 2007                     Notice of AGM
1 June 2007                     JSC Bank of Georgia Published 2006 Audited Consolidated Financial Statements
31 May 2007                     1st Quarter Results
29 May 2007                     Notice of Results
11 May 2007                     Notice of AGM
3 May 2007                      Director/PDMR Shareholding
5 April 2007                    Notice of AGM
5 April 2007                    Director/PDMR Shareholding
26 February 2007                Final Results
12 February 2007                Issue of Debt
19 January 2007                 Director/PDMR Shareholding
8 January 2007                  Re Agreement
22 December 2006                Bank of Georgia Receives The Bank Of The Year Award By The Banker
21 December 2006                Acquisition
11 December 2006                3rd Quarter Results
8 December 2006                 JSC Bank of Georgia to Announce Financial Results for Nine Months
30 November 2006                Exercise of Greenshoe
24 November 2006                Stabilisation Notice
24 November 2006                Bank of Georgia Announces Pricing of Initial Public Offering
17 November 2006                Bank of Georgia Announces Pricing Range for Initial Public Offering, EGM Results and
                                 Supervisory Board Appointments
2 November 2006                 Bank of Georgia Announces Intention to Launch Initial Public Offering

Details of all regulatory announcements for the Company can be found on the
London Stock Exchange website: and on the Company

In addition, announcements as published on the Company website/filed with the
National Securities Commission of Georgia ('NSCG') and Georgian Stock Exchange
('GSE') according to the Securities Laws and Regulations of Georgia.

Date of Publication/Filing with the
 NSCG                                Title
27 June 2007                         2006 Audited Consolidated Financial Statements*
1 June 2007                          JSC Bank of Georgia Agenda and Recommendations
11 May 2007                          Announcement of JSC Bank of Georgia AGM New Record Date
6 April 2007                         Notice of JSC Bank of Georgia AGM Record Date
4 April 2007                         2006 Annual Accounts as per requirement of Georgia's Securities Laws*
12 February 2007                     JSC Bank of Georgia Announces the Successful Closing of Its Debut Eurobond
8 January 2007                       JSC Bank of Georgia Enters Into a US$12.5 Million Loan Agreement With Nederlandse
                                      Financierings-Maatschappij voor Ontwikkelingslanden N.V. (FMO)
21 December 2006                     JSC Bank of Georgia Announces Acquisition of Aldagi by Its Wholly-Owned Insurance
                                      Subsidiary BCI
12 December 2006                     Changes in the Share Ownership Structure* (Issuance of Newly Issued Shares in
                                      Respect to the IPO on the LSE)
22 November 2006                     Results of EGM and the Changes in the Share Ownership Structure*
17 October 2006                      JSC Bank of Georgia EGM Agenda and Recommendations
  3 October 2006                     JSC Bank of Georgia Receives a US$25 million Convertible Subordinate Loan from A
                                      Fund Advised by HBK Investments L.P.*
 3 October 2006                      JSC Bank of Georgia Announces The Sale of 400,000 Newly Issued Shares to
                                      Institutional Investors*
26 September 2006                    Notice of the JSC Bank of Georgia EGM Record Date
22 August 2006                       JSC Bank of Georgia Receives a US$25 Million Loan from Merrill Lynch
21 August 2006                       JSC Bank of Georgia Receives a US$5 Million Loan from Thames River Capital
15 August 2006                       Half Yearly Report as per requirement of Georgian Securities Laws*
13 July 2006                         JSC Bank of Georgia Announces the Sale of 750,000 Newly Issued Common Shares to the
                                      Existing Shareholders*
13 July 2006                         Updated Edition of the Bank of Georgia Charter *

* Documents filed with the NSCG and GSE

The copies of the documents referred in this Annual Information Update and the
copy of Bank of Georgia Annual Reports and Accounts for the year ended 31
December 2006, as published on 29 June 2007, can be obtained upon request from
Bank of Georgia Investor Relations at the Company's registered office at 3
Pushkin Street, Tbilisi, Georgia 0105 or from the Company website:

About Bank of Georgia

Bank of Georgia, a leading universal Georgian bank with operations in Georgia
and Ukraine, is the largest bank by assets, loans, deposits and equity in
Georgia, with 33% market share by total assets (all data according to the NBG as
of March 31 2007). The major component of the Galt & Taggart Index, the bank has
103 branches and over 500,000 retail and more than 50,000 corporate current
accounts. The bank offers a full range of retail banking and corporate and
investment banking services to its customers across Georgia. The bank also
provides a wide range of corporate and retail insurance products through its
wholly-owned subsidiary, BCI, as well as asset & wealth management services.

Bank of Georgia has, as of the date hereof, the following credit ratings:

  Standard & Poor's                'B+/B'                                              Stable
  Moody's                          'B3/NP' (FC) & 'Ba1/P-3' (LC)                       Stable
  Fitch Ratings                    'B/B'                                               Stable

For further information, please visit or contact:

Lado Gurgenidze                   Irakli Gilauri                               Macca Ekizashvili
Chairman of the Supervisory Board Chief Executive Officer                      Head of Investor Relations
+995 32 444 103                   +995 32 444 109                              +995 32 444 256
[email protected]                [email protected]                              [email protected]

This news report is presented for general informational purposes only and should
not be construed as an offer to sell or the solicitation of an offer to buy any
securities. Certain statements in this news report are forward-looking
statements and, as such, are based on the managements current expectations and
are subject to uncertainty and changes in circumstances.

a d v e r t i s e m e n t