BGEO Group Financial Update
Banking Business | Excellent capital adequacy position
Basel I capital adequacy ratios
JSC Bank of Georgia consolidated
NBG (Basel 2/3), capital adequacy ratios
JSC Bank of Georgia standalone
18%
30%
27.1%
26.1%
26.1%
16%
23.7%
14.2%
25%
23.0%
22.1%
21.2%
14%
11.2%
20%
12%
16.7%
15.9%
15.8%
14.1%
12.9%
11.1%
10.4%
10.2%
9.8%
-------------------------------------10.5%
10%
15%
8%
10%
6%
4%
5%
2%
0%
0%
2012
2013
2014
9M 2015
■Tier I Capital Adequacy Ratio
■Total Capital Adequacy Ratio
Q3 2014
Q4 2014
Tier I Capital Adequacy Ratio
NBG Tier I CAR min requirement
NBG Total CAR min requirement
Q1 2015
Q2 2015
Q3 2015
Total Capital Adequacy Ratio
Risk Weighted Assets Basel I vs NBG (Basel 2/3)
JSC Bank of Georgia consolidated (BIS I), standalone (BIS 2/3)
NBG (Basel 2/3)Tier I Capital and Total Capital
JSC Bank of Georgia standalone
9,000
8,359
8,351
8,473
GEL '000
30 Sep 2015
Dec 2014 Sep 2014 Jun 2014 Mar 2014 Dec 2013
8,000
7,204
7,172
7,253
Tier I Capital (Core)
860.2
800.5
723.2
669.9
764.2
748.3
6,471
6,707
7,000
6,253
Tier 2 Capital
5,628
6,000
(Supplementary)
482.1
217.1
198.7
197.9
190.1
189.8
5,000
Total Capital
1,342.3
1,017.6
921.9
867.8
954.3
938.1
4,000
3,000
Risk weighted assets
8,473.1
7,204.1
6,470.6 6,202.9 5,901.9 5,733.7
2,000
1,000
0
Q3 2014
Q4 2014
Q1 2015
Tier 1 Capital ratio
Total Capital ratio
10.2%
15.8%
11.1%
14.1%
11.2% 10.8% 12.9% 13.1%
14.2% 14.0% 16.2% 16.4%
Q2 2015
Q3 2015
■BIS
■NBG Basel 2/3
Holding company of BANK OF GEORGIA
BGEO www.bgeo.com
reported to NBG are reported in the appendix
November 2015
GROUP
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