Investor Presentaiton
GEL million
25.00
20.00
15.00
10.00
5.00
Listed
portfolio
BANK OF GEORGIA
BANK OF GEORGIA OVERVIEW
http://bankofgeorgiagroup.com/
Stock price performance
May-18
Jun-18
Jul-18
Aug-18
Sep-18
91-das
Retail clients ('000)
Digital transactions (million)
Oct-18
Nov-18
Dec-18
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19
Aug-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-20
-20
Aug-20
Sep-20
Selected operating metrics
30-Sep-19
Profits & ROAE
Financial metrics (GEL million)
GBP 12.20
2015
2016
2017
2018
2019
as of 31-Dec-20
NIM
7.7%
7.4%
7.3%
6.5%
5.6%
NPL coverage
83.4%
86.7%
92.7%
90.5%
80.9%
Loan portfolio
5,367
6,682
7,741
9,398
11,931
Oct-20
Nov-20
Dec-20
Cost/income²
35.5%
37.7%
37.7%
36.7%
37.8%
30-Sep-20
Change
Corporate loans,
GEL 4,518.2 million,
34.3%
2,501
2,579
3.1%
132.1
127.7
-3.3%
ROAE¹
21.9%
22.2%
25.2%
26.4
26.1
24.5%
500
20.8%
2015
370
379
296
274
2016
2017
2018
2019
2015
2016
Loan book growth
2017
15.9%
21.4%
2018
2019
GEL 13.2 billion loan portfolio breakdown* | 30 September 2020
Retail loans,
65.7%
GEL 8,660.1 million,
* Bank of Georgia Standalone.
GEORGIA
CAPITAL
Dividend record³ (GEL million)
27.0%
Payout 10%
ratio:
15%
30%
36% 33%
34%
32%
30%
30%
Total dividend paid for the year
Dividend per share
1.6
Dividend per share CAGR (GEL) - 34.3%
2.44
2.55
2.08
1.92
1.68
Georgia Capital PLC | 1. 2019 ROAE is adjusted for termination costs of former CEO and executive management, while 2018 ROAE is adjusted for demerger related expenses, one-off impact of re-measurement of deferred tax balance and termination costs of the former CEO. 2. The
full year cost/income ratio adjusted for GEL 12.4 million one-off employee costs (gross of income tax) related to termination benefits of the former executive management. 3. Actual dividend per share information for 2010-2016 years are adjusted for 19.9% Bog share issuance.
1.2
122
124
0.56
98
102
72
80
0.24
51
24
2010
2011
2012
2013
2014
2015
2016
2017
2018
39View entire presentation