Investor Presentaiton
RETAIL BANKING LOAN YIELD, COST OF DEPOSITS & NIM
RB Loan Yield I quarterly
RB Loan Yield I full year
30%
20%
30%
20.7%
21.5%
17.0% 16.7%
17.6%
14.2% 12.8% 12.4%
20%
15.1% 12.9%
7.4% 7.5% 6.8%
7.9% 7.3%
10%
10%
0%
0%
Loan Yield
■4Q18
Loan yield, GEL
3Q19 4Q19
Loan yield, FC
Loan Yield
2018
Loan yield, GEL
2019
Loan yield, FC
RB Cost of Deposit I quarterly
RB Cost of Deposit I full year
6%
5.0% 5.0% 5.1%
6%
4.9% 5.1%
4%
2.9% 2.6% 2.5%
4%
2.9% 2.6%
2.1% 1.5% 1.4%
2.0%
1.5%
2%
2%
0%
0%
Cost of deposits
Cost of deposits, GEL Cost of deposits, FC
Cost of deposits
Cost of deposits, GEL Cost of deposits, FC
2018 2019
4Q18 3Q19 4Q19
RB NIM I quarterly
RB NIM I full year
10%
10%
7.5%
8%
8%
6.7%
6.1%
5.7%
6%
6%
6.1%
4%
4%
4Q18
3Q19
4Q19
2018
2019
BANK OF GEORGIA
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