Bank of Georgia Financial Overview
Standalone
RB cross-selling
Product/client ratio
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
3.5
3.3
3.2
3.0
2.7
4.0
RB loans penetration rate*
60%
55
3.5
50%
46.4%
47.9% 47.6%
46.8%
3.1
44.3%
44.5% 44.8%
45.5%
3.0
2.8
2.8
2.8
2.8
2.8
3.0
39.3%
2.7
40%
34.1% 35.8%
2.5
30%
31.7% 30.9%
20
2.0
29.1%
17.0%
20%
24.2%
1.5
15
11.8%
9.2%
7.6%
7.6% 7.9%
8.7%
10%
1.0
2.0% 2.2%
2.1%
1.9% 1.5%
1.1% 0.8% 0.6% 0.6% 0.7% 0.8%
0%
0.5
0.9% 1.0% 1.1% 1.2%
1.2%
Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09
1.1%
1.1%
1.1% 1.1% 1.2% 1.2%
Dec-09 Mar-10 Jun-10 Sep-10
Mortgage Loan Penetration Rate
Micro Loan Penetration rate
Consumer Loan Penetration Rate
Other Loans Penetration Rate
0
0.0
Sep-07
Dec-07 Mar-08 Jun-08
Sep-08
Dec-08 Mar-09 Jun-09 Sep-09
Dec-09 31-Mar- 30-Jun-10 30-Sep-10
10
Number of clients (LHS)
Number of products (LHS)
Product/Client Ratio (RHS)
Cards penetration rate*
120%
104.0%
98.7%
95.6%
100%
80%
60%
Current accounts & deposits penetration rate*
140%
122.4% 121.7%
119.4%
114.3%
120%
105.0% 111.2%
111.1% 110.8% 111.3% 112.8%
121.5%
15.4% 73.2%
100%
67.6% 66.1%
66.2% 65.7%
64.4%
62.6%
80%
60%-
40%
31.4%
26.9%
23.6%
24.8%
40%
20.6%
17.5%
19.0%
15.0%
20.0% 19.8%
19.5%
16.4%
15.7%
20%
10.56% 11.38% 11.3%
12.9%
14.7%
20%-
14.4% 14.3% 14.4% 11.3%
5.6% 6.7%
7.3%
8.9% 7.1%
7.6%
14.8%
0%
Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10
Debit Cards Penetration Rate
Credit Cards Penetration Rate
* Calculated as percentage of Bank of Georgia clients for the period
Lobko
BANK OF GEORGIA
www.bog.ge/ir
0%
Mar-08 Jun-08
Sep-08
9.2% 9.7% 10.3% 10.8%
Dec-09 Mar-10 Jun-10 Sep-10
Dec-08 Mar-09 Jun-09 Sep-09
-Demand & Time deposits Penetrartion rate
Universal Current Accounts Penetration Rate
- Standard Current Accounts Penetration Rate
November 2010
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