Expected Q4 2009 Financial Performance
208.4%
138.3%
40.0
19.0
32.1
115.9 million
0.0
Q1 2008
Q2 2008
Consolidated
NPLs of GEL
139.8 million
improved by
6% q-0-9
driven by 2.4%
q-o-q decrease
Loan portfolio quality
NPLs Consolidated
160.0
120.0
554.4%
104.6
148.8
-6.0%
139.8
Will
of Bank of
Georgia
Standalone
NPLs GEL
80.0
64.3
169.1%
129.3%
104.2%
124.2%
600.0%
300.0%
Loan loss reserve, Consolidated
200.0
9.5%
10.0%
8.1%
6.3%
6.6%
5.0%
100.0
5.0%
173.7
129.0
108.8
135.2
155.1
2.1%
2.1%
23.3
39.6
44.4
0.0
0.0%
0.0%
Q3 2008
Q4 2008 Q1 2009 Q2 2009
Q1 2008 Q2 2008
Q4 2008
Q3 2009
Q3 2008
Loan loss reserves
Reserve for loan losses to gross loans, BoGconsolidated
Q1 2009
Q2 2009
Q3 2009
NPLs
NPLs, BoG Standalone
NPL Coverage Ratio
GEL mln
140.0
Loan loss reserve, BoG Standalone
6.9%
7.0%
8.0%
GEL mln
120.0
6.8%
7.5%
8.0%
6.7%
70.0
3.2%
41.1
4.7%
51.3
61.4
4.0%
60.0
5.5%
43.1
36.4
4.9%
83.6
38.2
45.2
4.0%
1.7%
1.7%
41.6
1.2%
1.3%
67.4
54.5
2.0%
1.9%
2.0%
22.4
46.3
67.9
67.9
16.6
10.9
11.3
10.8
57.7
22.7
8.7
8.1
9.7
12.0
11.4
16.3
49.8
0.0
0.0%
29.8
22.2
Q4 2007
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
16.5
Q3 2009
14.5
0.0
0.0%
RB & WM
Q4 2007
01 2008
Q2 2008
CB
% of Gross loans.
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
RB & WM
CB
- Loan loss reserve as % of gross loans
Lobko
BANK OF GEORGIA
www.bog.ge/ir
January 2010
Page 45View entire presentation