Investor Presentaiton
Loan portfolio quality
Bank of Georgia Loan quality under the following stress tests
standalone NPLs
declined 25.3%
q-0-q to GEL
96.5 million,
while BG Bank'
(Ukraine) NPLs
declined 22.1%
q-o-q to GEL
32.7 million
Domestic and international economic crises
17% devaluation of Lari against US$ in one day in November 2008
Political tension in Georgia peak in Spring 2009
NPLs, BoG Standalone
GEL mln
NPLs, Consolidated
GEL mln
200
554.4%
180
160
140
120
100
600%
173.7
168.9
500%
148.8
32.1
44.6
140.0
140.0
131.5
30.0
400%
24.0
28.7
110.1
17.2
35.0
69.8
59.4
300%
80 208.4%
138.3%
53.1
61.8
75.8
36.8
60
61.5
3.8
200%
42.8
141.4%
118.8%
116.1% 99.3%
124.1%
106.6% 113.5%
40
169.1%
32.1
100%
23.3
59.8
20
20
19.0
24.4
22.4
11.3
33.3
35.5
10.9
69.8
67.0
50.2
8.1
9.7
12.0
54.1
65.7
0
0%
Q1 2008 Q2 2008
03 2008
Q4 2008
RB & WM
Q1 2009
CB
Q2 2009
Other*
Q3 2009 Q4 2009 Q1 2010
NPL coverage ratio
Q2 2010
Q3 2010
* Other NPLs include BNB and BG Bank
Loan loss reserve, Consolidated
160
6.8%
140
120
100
80
7.5%
7.5%
8%
GEL mln
7.4%
250
6.9%
6.9%
7.4%
6.5%
7%
7.0%
6.7%
6.4%
6.5%
5.5%
4.9%
5,0%
200
6%
6.3%
6.3%
5%
150
5.0%
9.4%
9.1%
9.2%
9.0%
10%
8.3%
9%
7.8%
8%
7%
6%
4.7%
5%
80
4%
3.2%
60
111.3
118.7
136.8
129.2
115.9
93.0
100
197.2
4%
3%
173.6
166.3
180.0
186.0
2.1% 2.1%
147.7
3%
96.5
129.0
127.9
1.9% 2.0%
40
108.8
57.7
1.3%
1.7%
20-1.2%
39.6
44.4
1%
32.1
23.3
0
19.0
0
0%
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009 Q3 2009 Q4 2009 Q1 2010
Q2 2010
Q3 2010.
2%
50
2%
1%
0%
Q1 2008 Q2 2008 Q3 2008 Q4 2008Q1 2009Q2 2009Q3 2009 Q4 2009Q1 2010Q2 2010Q3 2010
Loan loss reserves, Consolidated
Reserve For Loan Losses To Gross Loans, BoG Consolidated
NPLS % of Gross loans Loan loss reserve as % of gross loans
LOLEJN
BANK OF GEORGIA
www.bog.ge/ir
November 2010
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