Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).


For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.


We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

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You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.


We store and use information you provide as follows:

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We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.


We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.


The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.


Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.


Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.


If you want more information or have any questions or comments relating to our privacy policy please email [email protected] in the first instance.

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JSC Bank of Georgia (BGEO)

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Thursday 20 May, 2010

JSC Bank of Georgia

Annual Information Update

Annual Information Update

Bank of Georgia

JSC Bank of Georgia

Annual Information Update for 12 months up to and including 20 May, 2010

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
20 May 2010 JSC Bank of Georgia launches one card VISA INFINITE card
18 May 2010 Bank of Georgia 2010 Annual General Meeting of Shareholders Agenda and Recommendations
17 May 2010 JSC Bank of Georgia Announces Q1 2010 Results
15 May 2010 JSC Bank of Georgia notice of Q1 2010 Results
26 April 2010 JSC Bank of Georgia 2009 Annual Financial Report
26 April 2010 JSC Bank of Georgia 2009 Audited Financial Statements
26 April 2010 JSC Bank of Georgia Announcement of 2010 Annual General Meeting of Shareholders
23 April 2010 Bank of Georgia Notice of Audited Annual Report and Accounts
25 March 2010 JSC Bank of Georgia announces further decrease of interest rates on deposits
25 February 2010 JSC Bank of Georgia Announces Q4 2009 and Full - Year 2009 Results
24 February 2010 JSC Bank of Georgia announces decrease of interest rates on deposits
24 February 2010 JSC Bank of Georgia notice of Q4 2009 and Full - Year 2009 Results
5 January 2010 JSC Bank of Georgia announces the buyout of minority stake and capital increase in BNB
7 December 2009 Bank of Georgia receives The Bank of the Year Award by The Banker
24 November 2009 JSC Bank of Georgia announces the appointment of joint corporate brokers
20 November 2009 Bank of Georgia investor day schedule New York and London 23 and 27 November 2009
20 November 2009 Bank of Georgia announces important developments
9 November 2009 Bank of Georgia announces Investor Day to be held in New York and London
9 November 2009 Bank of Georgia and American Express launch two American Express Cards Issued in Georgia
6 November 2009 Bank of Georgia Reports Q3 and YTD 2009 Results
5 November 2009 JSC Bank of Georgia notice of Q3 2009 and YTD 2009 Results
23 October 2009 Bank of Georgia selects TEMENOS T24 as its new core banking system
21 October 2009 Bank of Georgia announces new senior appointments
9 October 2009 Bank of Georgia selects CRIF Decision Solutions as the system provider for its loan origination platform
6 October 2009 Bank of Georgia announces deployment of complete talent management solution
30 September 2009 JSC Bank of Georgia Announces the Sale of Its Equity Interest in GTAM
2 September 2009 Bank of Georgia Announces Q2 2009 and 1H 2009 Results
1 September 2009 Bank of Georgia Notice of Q2 2009 and 1H 2009 Results
21 August 2009 Approval of an increase of block listing of shares in the form of GDRs and admission to trading on the London Stock Exchange
27 July 2009 JSC Bank of Georgia and EBRD sign the Amended and Restated Participation Agreement
17 July 2009 JSC Bank of Georgia receives the Euromoney Award for Excellence as the Best Bank in Georgia 2009
17 June 2009 Bank of Georgia announces AGM Results
16 June 2009 JSC Bank of Georgia completes the settlement of US$140 million Loan Passthrough Notes
15 June 2009 Bank of Georgia announces the execution of US dollar interest rate swap transactions with IFC
26 May 2009 Bank of Georgia 2009 Annual General Meeting of Shareholders Agenda and Recommendations
20 May 2009 JSC Bank Of Georgia Reports Q1 2009 Net Income Of GEL 5.1 Million

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

In addition to the announcements as published on the Company website, the following have been filed with the Financial Supervisory Agency (“FSA”) of Georgia and Georgian Stock Exchange (“GSE”) according to the Securities Laws and Regulations of Georgia.

Date of Publication/Filing with the FSA  



26 April 2010 Notice of the JSC Bank of Georgia AGM Record Date
31 March 2010 2009 Annual Accounts as per requirement of Georgian Securities Laws
16 September 2009 Consolidated Half Yearly Report as per requirement of JSC Georgian Securities Laws
25 June 2009 JSC Bank of Georgia Current Report
  Results of the AGM and the Changes in the Share Ownership
  Updated Edition of the Bank of Georgia Charter

The copies of the documents referred in this Annual Information Update as published on 20 May 2010, 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 is the leading Georgian bank offering a broad range of corporate and investment banking, retail banking, wealth management and insurance services to its customers in Georgia, Ukraine and Belarus. Bank of Georgia is the largest bank in Georgia by assets, loans, deposits and equity, with 34.1% market share by total assets (all data according to the NBG as of 31 March 2010). The bank has 140 branches and over 999,000 retail and more than 153,000 corporate current accounts.

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

Standard & Poor’s   ‘B/B’
FitchRatings ‘B/B’
Moody’s ‘B3/NP’ (FC) & ‘Ba3/NP’ (LC)

For further information, please visit or contact:

Nicholas Enukidze   Irakli Gilauri   Macca Ekizashvili
Chairman of the Supervisory Board CEO, Supervisory Board Member Head of Investor Relations
+995 32 444 858 +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.

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