Bank of Georgia Financial Snapshot and Loan Portfolio Quality
Corporate Banking - loan and deposit portfolio
All currency data are in GEL m unless otherwise stated
Loan portfolio
+14.4%
+22.8%
Deposit portfolio
+38.9%
+42.9%
+11.2%
+11.8%
+10.5%
+9.9%
Growth on a
5,932
5,506
5,334
4,814
4,580
4,926
4,925
constant
4,975
4,825
4,270
currency
1,581
1,707
basis
1,800
1,803
3,974
1,511
3,754
3,375
3,604
3,644
1,061
1,205
1,322
1,281
1,532
Jun-22
Sep-22
Dec-22
Mar-23
Jun-23
Loan yield
Net loans GEL ■Net loans FC
4,351
2,759
3,175
3,627
3,021
Jun-22
Sep-22
Dec-22
■Client deposits and notes GEL
Cost of deposits
Mar-23
Jun-23
■Client deposits and notes FC
14.9% 14.7% 14.8%
15.4%
9.7%
9.7%
9.9%
10.2%
9.9%
14.8%
14.8%
15.0%
8.9%
9.2%
7.5%
7.1%
11.2% 11.5%
11.3%
6.7%
6.2%
6.2%
6.2%
6.2%
10.2%
9.0%
8.9%
9.1%
10.3%
9.7%
10.0
8.6%
7.4%
7.1%
7.5%
%
0.0%
-0.1%
-0.2%
0.1%
0.0%
0.0%
0.1%
2Q22
3Q22
4Q22 1Q23
2Q23
1H22
1H23
2Q22
3Q22
4Q22
1Q23
2Q23
1H22
1H23
Loan yield
Loan yield (GEL)
Loan yield (FC)
Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
42
The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part
of which are included in the calculation of the cost of depositsView entire presentation