BGEO Group Financial Update slide image

BGEO Group Financial Update

Banking Business | Focus on efficiency Cost / Income ratio | half-year Banking Business 44% Cost Income ratio quarterly Banking Business 44% 42.2% 41.5% 42% 42% 40.1% 39.2% 40% 38% 41.3% 40% 38.5% 36.8% 38% 35.7% 34.8% 36% 36% 34% 35.7% 34% 32% 32% 30% 30% 9M 2014 9M 2015 4Q 2013 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 2Q 2015 3Q 2015 Cost/Income Ratio Revenue and operating expenses | half-year Banking Business Operating Leverage GEL millions 600 500 384.1 400 300 200 100 0 550.2 Revenue and operating expenses | quarterly Banking Business +2.7% q-o-q +19.1% y-0-y Operating Leverage +18.5% y-0-y 196.7 158.5 9M 2014 Revenue ■Operating expenses 9M 2015 Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 GEL millions 200 136.3 150 182.6 190.0 100 65.2 66.2 54.7 50 0 3Q 2014 Revenue ■Operating expenses 2Q 2015 3Q 2015 page 28
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