Bank of Georgia Growth and Reform Strategy
CIB LOAN YIELD, COST OF DEPOSITS & NIM
CIB Loan Yield I quarterly
CIB Loan Yield I full year
15%
10%
12.8%
12.5%
13.1%
11.5%
15%
12.0%
9.8% 8.9% 9.2%
9.2% 8.4% 8.5%
10.2%
9.1%
9.6%
8.6%
10%
5%
5%
0%
0%
Loan Yield
Loan yield, GEL
4Q18 3Q19 4Q19
Loan yield, FC
Loan Yield
2018
Loan yield, GEL
2019
Loan yield, FC
CIB Cost of Deposit I quarterly
CIB Cost of Deposit I full year
10%
10%
6.2%
5.6%
6.1%
6.4% 5.8%
4.1%
5%
4.0%
3.2% 3.3%
5%
3.3%
2.4%
1.8%
2.3% 1.8% 1.7%
0%
0%
Cost of deposits
Cost of deposits, GEL Cost of deposits, FC
4Q18 3Q19 4Q19
Cost of deposits
Cost of deposits, GEL Cost of deposits, FC
2018 2019
CIB NIM I quarterly
CIB NIM I full year
5%
5%
3.8%
3.6%
3.3%
4%
3.2%
3.2%
4%
3%
3%
2%
2%
1%
1%
4Q18
3Q19
4Q19
2018
2019
BANK OF GEORGIA
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