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					                                                                      Annex to Transparency Regulation about Financial Condition of a Commercial Bank
Bank: JSC "Bank Constanta"
Date: 30-Sep-08                                                                                                                              sheet N1
               Balance Sheet                                                                                                                      in lari
                                                                 Reporting Period                       Respective period of the previous year
  N                             ASSETS                     GEL               FX            Total             GEL                FX                Total

  1       Cash                                             382,064           597,568        979,632                                                         0
  2       Due from NBG                                      32,548             9,322         41,870                                                         0
  3       Due from Banks                                    29,486         1,489,813      1,519,299                                                         0
  4       Dealing Securities                                      0                0               0                                                        0
  5       Investment Securities                            242,815                 0        242,815                                                         0
  6.1            Loans                                    7,662,319       44,989,312     52,651,631                                                         0
  6.2            Less: Loan Loss Reserves                  (354,505)      (1,704,261)    (2,058,766)                                                        0
  6       Net Loans                                       7,307,814       43,285,051     50,592,865                                                         0
  7       Accrued Interest and Dividends Receivable        133,107           638,411        771,518                                                         0
  8       Other Real Estate Owned & Repossessed Assets      48,218                 X         48,218                                      X                  0
  9       Equity Investments                                      0                                0                                     0                  0
  10      Fixed Assets and Intangible Assets              8,841,098                X      8,841,098                                      X                  0
  11      Other Assets                                     332,257           166,108        498,366                                                         0
  12    TOTAL ASSETS                                     17,349,409       46,186,274     63,535,683                                                         0
                               LIABILITIES
  13      Due to Banks                                            0                0               0                                                        0
  14      Current (Accounts) Deposits                      154,209           248,262        402,471                                                         0
  15      Demand Deposits                                         0                0               0                                                        0
  16      Time Deposits                                    500,000                 0        500,000                                                         0
  17      Own Debt Securities                                     0                0               0                                                        0
  18      Borrowings                                      2,904,588       46,849,699     49,754,287                                                         0
  19      Accrued Interest and Dividends Payable            67,573           586,986        654,558                                                         0
  20      Other Liabilities                                313,332                 0        313,332                                                         0
  21      Subordinated Debentures                                 0                0               0                                                        0
  22    Total Liabilities                                 3,939,702       47,684,947     51,624,648                                                         0
                            EQUITY CAPITAL
  23      Common Stock                                   15,675,850                X     15,675,850                                      X                  0
  24      Preferred Stock                                         0                X               0                                     X                  0
  25         Less: Repurchased Shares                             0                X               0                                     X                  0
  26      Share Premium                                           0                X               0                                     X                  0
  27      General Reserves                                        0                X               0                                     X                  0
  28      Retained Earnings                              (3,764,816)               X     (3,764,816)                                     X                  0
  29      Asset Revaluation Reserves                              0                X               0                                     X                  0
  30    Total Equty Capital                              11,911,034                X     11,911,034                                      X                  0
  31    TOTAL LIABILITIES AND EQUITY CAPITAL             15,850,736       47,684,947     63,535,683                                      0                  0


General Director

Chief Accountant
                                                                     Annex to Transparency Regulation about Financial Condition of a Commercial Bank


Bank: JSC "Bank Constanta"
Date: 30-Sep-08                                                                                                                               sheet N2
         Income Statement                                                                                                                          in lari
                                                                              Reporting Period                   Respective period of the previous year
  N                                                                     GEL           FX           Total            GEL            FX              Total
                                  Interest Income
  1      Interest Income from Bank's "Nostro" and Deposit Accounts         2,868     261,279       264,147                                                   0
  2      Interest Income from Loans                                    4,246,951    5,846,133    10,093,085                0              0                  0
  2.1    from the Interbank Loans                                               0            0               0                                               0
  2.2    from the Retail or Service Sector Loans                         32,336      300,750       333,086                                                   0
  2.3    from the Energy Sector Loans                                      1,717        1,179         2,896                                                  0

  2.4    from the Agriculture and Forestry Sector Loans                    1,444        1,363         2,807                                                  0
  2.5    from the Construction Sector Loans                                    12       3,553         3,564                                                  0

  2.6    from the Mining and Mineral Processing Sector Loans                    0          922             922                                               0

  2.7    from the Transportation or Communications Sector Loans                 0            0               0                                               0
  2.8    from Individuals Loans                                        4,210,074    5,525,421     9,735,495                                                  0
  2.9    from Other Sectors Loans                                          1,368      12,946        14,314                                                   0
  3      Interest and Discount Income from Securities                         418            0             418                                               0
  4      Other Interest Income                                                  0            0               0                                               0
  5      Total Interest Income                                         4,250,237    6,107,412    10,357,649                0              0                  0
                                 Interest Expense
  6      Interest Paid on Demand Deposits                                       0            0               0                                               0
  7      Interest Paid on Time Deposits                                  95,288              0      95,288                                                   0
  8      Interest Paid on Banks Deposits                                        0            0               0                                               0
  9      Interest Paid on Own Debt Securities                                   0            0               0                                               0
  10     Interest Paid on Other Borrowings                              773,190     2,881,247     3,654,436                                                  0
  11     Other Interest Expenses                                                0            0               0                                               0
  12     Total Interest Expense                                         868,478     2,881,247     3,749,725                0              0                  0
  13     Net Interest Income                                           3,381,759    3,226,166     6,607,925                0              0                  0


                              Non-Interest Income
  14     Net Fee and Commission Income                                   (66,603)    791,069       724,465                 0              0                  0
  14.1   Fee and Commission Income                                      275,625      871,952      1,147,577                                                  0
  14.2   Fee and Commission Expense                                     342,228       80,884       423,112                                                   0
  15     Dividend Income                                                        0            0               0                                               0
  16     Gain (Loss) from Dealing Securities                                    0            0               0                                               0
  17     Gain (Loss) from Investment Securities                                 0            0               0                                               0
  18     Gain (Loss) from Foreign Exchange Trading                      213,869              0     213,869                                                   0
  19     Gain (Loss) from Foreign Exchange Translation                  (179,930)            0     (179,930)                                                 0
  20     Gain (Loss) on Sales of Fixed Assets                                 797            0             797                                               0
  21     Non-Interest Income from other Banking Operations                    353            0             353                                               0
  22     Other Non-Interest Income                                      339,096      231,139       570,235                                                   0
  23     Total Non-Interest Income                                      307,582     1,022,207     1,329,790                0              0                  0
                            Non-Interest Expenses

  24     Non-Interest Expenses from other Banking Operations            876,182              0     876,182                                                   0
  25     Bank Development, Consultation and Marketing Expenses          638,554       35,151       673,704                                                   0
  26     Personnel Expenses                                            5,052,949             0    5,052,949                                                  0
  27     Operating Costs of Fixed Assets                                 47,958              0      47,958                                                   0
  28     Depreciation Expense                                          1,001,788             0    1,001,788                                                  0
  29     Other Non-Interest Expenses                                   1,655,752             0    1,655,752                                                  0
  30     Total Non-Interest Expenses                                   9,273,182      35,151      9,308,333                0              0                  0
  31     Net Non-Interest Income                                      (8,965,600)    987,056     (7,978,544)               0              0                  0


  32     Net Income before Provisions                                 (5,583,841)   4,213,222    (1,370,619)               0              0                  0
                                                                     Annex to Transparency Regulation about Financial Condition of a Commercial Bank

                                                                              Reporting Period                Respective period of the previous year
  N                                                                     GEL           FX          Total          GEL               FX              Total



  33   Loan Loss Reserve                                               1,143,702            X    1,143,702                                 X               0
  34   Provision for Possible Losses on Investments and Securities             0            X            0                                 X               0
  35   Provision for Possible Losses on Other Assets                     20,865             X       20,865                                 X               0
  36   Total Provisions for Possible Losses                            1,164,567           0     1,164,567               0                0                0


           Net Income before Taxes and Extraordinary Items
  37                                                                  (6,748,408)   4,213,222   (2,535,186)              0                0                0
  38   Taxation                                                                0            0             0                                                0
  39   Net Income after Taxation                                      (6,748,408)   4,213,222   (2,535,186)              0                0                0
  40   Extraordinary Items                                                     0           0              0                                                0
  41
       Net Income                                                     (6,748,408)   4,213,222   (2,535,186)              0                0                0



General Director

Chief Accountant

       `
                                                                                       Annex to Transparency Regulation about Financial Condition of a Commercial Bank

Bank: JSC "Bank Constanta"
Date: 30-Sep-08                                                                                                                                                 sheet N3
             Off Balance Sheet Items                                                                                                                                 in lari
                                                                                 Reporting Period                          Respective period of the previous year
  N                                                                        GEL                FX             Total              GEL                 FX                   Total
  1     Conditional Obligations                                           46,602,589     106,333,047       152,935,635                   0                  0                    0
  1.1     Acceptances and Endorsements                                            0                 0                 0                                                          0
  1.2     Guarantees Given                                                        0                 0                 0                                                          0
  1.3     Guarantees Received                                             20,443,263      71,335,732        91,778,995                                                           0
  1.4     Pledged Assets Given                                             1,410,015                0        1,410,015                                                           0
  1.5     Pledged Assets Received                                         24,749,311      34,997,314        59,746,625                                                           0
  1.6     Other Contingent Liabilities                                            0                 0                 0                                                          0
  2     Legally Binding Obligations                                               0                 0                 0                  0                  0                    0
  2.1     Funding Commitments of the Bank                                                                             0                                                          0
  2.2     Funding Commitments of other Parties                                                                        0                                                          0
  2.3     Commitments to Purchase Investment Securities                                                               0                                                          0
  2.4     Commitments to Sell Investment Securities                                                                   0                                                          0
  2.5     Foreign Exchange Operations                                                                                 0                                                          0
  2.6     Forward Foreign Exchange Contracts                                                                          0                                                          0
  2.7     Other Commitments                                                                                           0                                                          0
  3     Other Liabilities                                                         0                 0                 0                  0                  0                    0
  3.1     Obligation Of the Issuer (endorser) to the Bank                                                             0                                                          0
  3.2     Clients' Liabilities                                                                                        0                                                          0
  3.3     Third Parties' Clients' Liability to the Bank                                                               0                                                          0

  4     Items to be Held in Safekeeping                                           1                 0                 1                  0                  0                    0
  4.1     Precious Metals                                                         0                 0                 0                                                          0
  4.2     Securities                                                              0                 0                 0                                                          0
  4.3     Other Items                                                             1                 0                 1                                                          0
  5     Interest Rate Contracts                                                   0                 0                 0                  0                  0                    0
  5.1     Notional Value of Interest Rate Swaps                                                                       0                                                          0
  5.2
          Forward Contracts on Financial Instruments                                                                  0                                                          0
  5.3
          Futures Contracts on Financial Instruments                                                                  0                                                          0
  5.4     Options                                                                                                     0                                                          0

  6     Contracts on Commodities and Shareholders Capital                         0                 0                 0                  0                  0                    0
  6.1     Notional Value of Swaps                                                                                     0                                                          0
  6.2     Forward Contracts                                                                                           0                                                          0
  6.3     Futures Contracts                                                                                           0                                                          0
  6.4     Options                                                                                                    0                                                           0
  7     Unsettled Documents                                                2,796,560                0        2,796,560                   0                  0                    0
  7.1     Accounting Documents not Paid in due Time by Reason of Client     472,410                 0          472,410                                                           0
  7.2     Accounting Documents not Paid in due Time by Reason of Bank             0                 0                 0                                                          0
  7.3     Unissued Capital                                                 2,324,150               0         2,324,150                                                           0
  8     Written Off Loans                                                  2,419,085         146,213         2,565,299                   0                  0                    0
  8.1     Unpaid Interest on Loans up to 31.12.2000                               0                 0                 0                                                          0
  8.2     Unpaid Interest on Loans from to 01.01.2001                       297,836           30,596           328,432                                                           0
  8.3     Problem Loans Written off up to 31.12.2000                              0                 0                 0                                                          0
  8.4     Problem Loans Written off up to 01.01.2001                       2,121,250         115,617         2,236,867                                                           0
  8.5     Other Written Off Assets                                                0                 0                0                                                           0
  9     Other Valuables and Documents                                        21,833                 0           21,833                   0                  0                    0
  9.1     Undistributed value parcels                                             0                 0                 0                                                          0
  9.2     Small value inventory                                              21,833                 0           21,833                                                           0
  9.3     Strict reporting forms                                                  0                 0                 0                                                          0
  9.4     Payment of Special Lottery                                               0               0                 0                                                           0
  10    Total                                                             51,840,068     106,479,260       158,319,328                   0                  0                    0


General Director

Chief Accountant




          მიღებულ გარანტიებში იგულისხმება მხოლოდ თავდებობა
                                       Annex to Transparency Regulation about Financial Condition of a Commercial Bank

   Bank:                                                    JSC "Bank Constanta"
   Date:                                                    30-Sep-08                           sheet N4
                       Economic Ratios
                                                                                      Respective
                                                                                     period of the
                                                            Reporting Period         previous year
   CAPITAL
 1 Tier 1 Capital Ratio ≥ 8%                                              14.56%
 2 Regulatory Capital Ratio ≥ 12%                                         11.96%
 3 Risk Weighted Assets/Total Assets                                     153.53%
 4 Cash Dividend/Net Income                                                   0%
   Income
 5 Total Interest Income /Average Annual Assets                           21.41%          #DIV/0!
 6 Total Interest Expense / Average Annual Assets                          7.75%          #DIV/0!
 7 Earnings from Operations / Average Annual Assets                       -2.46%          #DIV/0!
 8 Net Interest Margin                                                    13.66%          #DIV/0!
 9 Return on Average Assets (ROA)                                         -5.24%          #DIV/0!
10 Return on Average Equity (ROE)                                        -26.16%          #DIV/0!
   ASSET QUALITY
11 Non Performed Loans / Total Loans                                       0.37%          #DIV/0!
12 LLR/Total Loans                                                         3.91%          #DIV/0!
13 FX Loans/Total Loans                                                   85.45%          #DIV/0!
14 FX Assets/Total Assets                                                 72.69%          #DIV/0!
15 Loan Growth-YTD                                                        20.70%               -100.00%
   LIQUIDITY
16 Liquid Assets/Total Assets                                              4.38%          #DIV/0!
17 FX Liabilities/Total Liabilities                                       92.37%          #DIV/0!
18 Current & Demand Deposits/Total Assets                                  0.63%          #DIV/0!

   General Director

   Chief Accountant
                                 Annex to Transparency Regulation about Financial Condition of a Commercial Bank
     Bank:      JSC "Bank Constanta"
     Date:      30-Sep-08
     Information about Suprevisory Council, Directorate and
                         Shareholders                                                     sheet N5
     Members of Supervisory Council
1 Tamar lebanidze
2 Giorgi Loladze
3 Irakli Kovzanadze
4
5
6
7




     Members of Board of Directors
1 Levan Lebanidze
2 Zviad Mirianashvili
3 Giorgi Gachava
4
5
6
7




     List of Shareholders owning 1% and more of issued capital, indicating Shares
1 "Constanta Plus"                                                                             77%
2 Tamar Lebanidze                                                                               9%
3 Levan Lebanidze                                                                               6%
4 Zviad Mirianashvili                                                                           3%
5 Giorgi Gachava                                                                                3%
6 Natela Turnava                                                                                1%
7
8
9
10

     General Director

     Chief Accountant

				
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