Investor Presentaiton slide image

Investor Presentaiton

RETAIL BANKING HIGHLIGHTS INCOME STATEMENT HIGHLIGHTS Change Change Change GEL thousands unless otherwise noted 2Q21 2Q20 1Q21 1H21 1H20 y-o-y q-o-q y-o-y Net interest income Net fee and commission income Net foreign currency gain Net other income 135,064 44,223 102,667 31.6% 131,448 2.8% 266,512 220,934 20.6% 22,184 99.3% 37,385 18.3% 81,608 51,581 58.2% 10,026 7,525 33.2% 11,109 -9.7% 21,135 29,159 -27.5% 9,502 4,085 132.6% 8,841 7.5% 18,343 5,991 NMF Operating income 198,815 136,461 45.7% 188,783 5.3% 387,598 307,665 26.0% Salaries and other employee benefits (48,230) (41,826) 15.3% (40,055) 20.4% (88,285) (82,394) 7.1% Administrative expenses (22,992) (16,898) 36.1% (18,393) 25.0% (41,385) (37,629) 10.0% Depreciation, amortisation and impairment (19,097) (17,610) 8.4% (18,914) 1.0% (38,011) (35,499) 7.1% Other operating expenses (429) Operating expenses (90,748) (550) (76,884) -22.0% 18.0% (630) (77,992) -31.9% (1,059) (1,103) -4.0% 16.4% (168,740) (156,625) 7.7% (Loss) profit from associate (4,299) 113 Operating income before cost of risk 103,768 59,690 NMF 73.8% 167 NMF 110,958 -6.5% (4,132) 214,726 414 NMF 151,454 41.8% Cost of risk (10,435) (5,757) 81.3% (31,296) -66.7% Net operating income before non-recurring items 93,333 53,933 73.1% 79,662 17.2% (41,731) 172,995 (147,835) -71.8% 3,619 NMF Net non-recurring items 211 (1,249) NMF 156 35.3% 367 (40,178) NMF Profit before income tax 93,544 52,684 77.6% 79,818 17.2% Income tax (expense) / benefit (8,518) Profit 85,026 (3,214) 49,470 NMF 71.9% (5,834) 73,984 46.0% 14.9% 173,362 (14,352) 159,010 (36,559) NMF 8,000 NMF (28,559) NMF RB LOANS AND LOAN YIELD RB CLIENT DEPOSITS AND COST OF DEPOSITS 15.1% 12.9% 11.4% 11.1% 2.9% 2.9% 2.7% 2.6% 50.3% 43.7% 44.9% 41.5% 69.7% 68.0% 68.7% 68.4% 49.7% 2018 56.3% 55.1% 58.5% 30.3% 32.0% 31.3% 31.6% 2019 2020 1H21 2018 2019 2020 1H21 Net loans, GEL Currency-blended loan yield Net loans, FC Client deposits, FC O Client deposits, GEL Currency-blended cost of deposits 63
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