Bank of Georgia Financial Analysis
STRONG LIQUIDITY
Liquid assets to total liabilities
Liquidity coverage ratio & net stable funding ratio
JSC Bank of Georgia standalone (Basel III Liquidity)
Banking Business
38.5%
37.9%
38.3%
34.9%
250%
15,000
40%
199.5%
13,000
11,355
200%
12,000
GEL millions
9,771
30%
151.5%
133.6%
7,803
150%
125.5%
9,000
120.1%
111.9%
20%
97.0%
100.3%
100%
6,000
3,705
4,347
4,540
3,001
10%
3,000
50%
0%
0%
31-Dec-15
31-Dec-16
31-Dec-17
31-Dec-18
31-Dec-15
31-Dec-16
Liquid assets
Total liabilities
Liquid assets to total liabilities
Liquidity coverage ratio
31-Dec-17
31-Dec-18*
■Net stable funding ratio
Net loans to customer funds & DFI
Banking Business
Cumulative maturity gap | 31 December 2018
Banking Business
140%
1,407,706
1,500,000
1,132,220
25%
1,078,634
130%
116.1%
115.5%
818,169
20%
1,000,000
120%
107.1%
109.4%
110%
100%
90%
99.6%
94.9%
92.4%
80%
90.5%
GEL thousands
15%
500,000
9.5%
7.7%
5.5%
(1,009,243) 7.3%
(1,717,481)
10%
O
5%
70%
60%
-500,000
-1,000,000
-1,500,000
On
0-3 3-6 6-12
Demand Months Months Months
1-3 Years 3 Years
0%
-5%
-6.8%
-10%
31-Dec-15
31-Dec-16
31-Dec-17
31-Dec-18
-2,000,000
-11.6%
-15%
Net loans to customer funds & DFIs
Net loans to customer funds
Maturity gap
Maturity gap, as % of total assets
* The ratios at 31 December 2018 are calculated for standalone JSC Bank of Georgia according to the guidelines set by National Bank of Georgia
BANK OF GEORGIA
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