2022 and 1H22 Financial Results
Retail Banking – loan and deposit portfolio
-
Net loans
40
All currency data are in GEL m unless otherwise stated
+17.9%
Deposits
+1.7%
+17.0%
+26.7%
+4.1%
+24.0%
+10.0%
+4.9%
10,260
10,740
10,925
9,175
9,558
9,858
10,350
8,768
9,791
9,265
3,865 42%
3,944 40%
4,148 40%
4,249 40% 4,058 37%
Growth on a
constant
currency basis
6,337 72%
6,568 72%
6,653
70%
6,911 70%
7,091 69%
5,400 58%
5,847 60%
6,201 60%
6,491 60%
6,867 63%
2,431 28% 2,608 28% 2,905 30% 2,947 30%
3,169 31%
Jun-21
Sep-21
Net Loans GEL
Dec-21
Mar-22
Jun-22
Net Loans FC
Jun-21
Sep-21
Client deposits and notes GEL
Dec-21
Mar-22
Jun-22
Client deposits and notes FC
Loan yield
Cost of client deposits and notes
15.2%
15.3%
15.6%
15.9% 16.1%
11.1%
11.4%
11.7%
11.9% 12.3%
15.2%
•
11.1%
16.0%
7.4%
7.2%
6.8%
7.5%
6.3%
12.1%
5.9%
5.9%
5.9%
5.7%
5.8% 5.8%
6.1%
6.0%
6.0%
2.6%
2.5%
2.5%
2.6%
2.6%
2.7%
2.6%
2Q21 3Q21 4Q21 1Q22 2Q22
1H21
1H22
Loan yield
Loan yield (GEL)
Loan yield (FC)
1.4%
1.5%
1.1%
2Q21
3Q21
4Q21
0.8% 0.6%
0.5% i
1Q22 2Q22
0.5%
1H21
1H22
Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
Starting from 3Q21, Wealth Management has been reclassified from Corporate and Investment Banking to Retail Banking. The comparative periods have been restated accordingly.View entire presentation