Investor Presentaiton
SME Banking - loan and deposit portfolio
Loan portfolio
+12.0%
+11.4%
Deposit portfolio
All currency data are in GEL m unless otherwise stated
+24.4%
+24.1%
+2.9%
+7.6%
+1.9%
+6.9%
4,064
4,091
4,336
4,422
4,551
Growth on a
constant
1,509
1,628
1,745
1,877
1,469
1,856
1,799
1,909
1,885
1,981
currency
basis
680
625
673
656
595
2,208
2,292
2,427
2,537
2,570
Dec-22
Mar-23
Loan yield
Jun-23
Sep-23
Dec-23
Net loans GEL ■Net loans FC
853
874
1,003
1,072
1,197
Dec-22
Mar-23
Jun-23
■Client deposits and notes GEL
Cost of deposits
Sep-23
Dec-23
■Client deposits and notes FC
13.7%
13.9%
13.9%
3.3%
3.3%
13.8% 13.6%
13.5%
13.8%
3.1%
3.1%
2.5%
2.6%
2.4%
7.9%
1.9%
1.9%
1.7%
1.7%
6.4%
1.3%
10.5%
11.0% 11.4% 11.4% 11.1%
1.0%
1.0%
11.2%
10.0%
8.2%
8.2%
7.4%
7.8%
6.7%
-0.6%
-0.5%
-0.4%
-0.4%
-0.4%
-0.7%
4Q22
1Q23 2Q23 3Q23
4Q23
-1.0%
4Q22
1Q23
2Q23
3Q23
4Q23
FY22
FY23
FY22
FY23
Loan yield
Loan yield (GEL)
Loan yield (FC)
Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
42
The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part
of which are included in the calculation of the cost of depositsView entire presentation