BGEO Group Financial Update
NPLs
Banking Business
GEL thousand
Banking Business | Resilient loan portfolio quality
NPL composition
Banking Business
221.7
250
250
7.9%
7.9%
9%
7.6%
7.7%
8%
200
200
7%
153.6
144.9
150
126.3
6%
5%
4%
100
3.9%
3.9%
4.0%
3%
3.4%
GEL thousand
00
2%
50
1%
0
0%
2012
2013
2014
9M 2015
NPLs
NPLs to gross loans
Net Interest Margin
Loan loss reserve
Banking Business
GEL thousand
221.7
30.2
144.9
153.6.
150
126.3
7.9
12.0
4.5
151.7
100
100.0
120.9
122.7
50
39.8
21.8
16.1
18.9
0
2012
2013
2014
9M 2015
NPLS RB & WM
NPLS CB
NPLs Other
NPL coverage ratio
Banking Business
200
180
181.8
5%
3.9%
3.9%
140.0%
4%
121.9%
3.4%
111.5%
4.0%
109.6%
110.6%
160
3.3%
4%
120.0%
140
3.4%
120.0
3%
100.0%
86.3%
109.1
3.3%
82.8%
82.0%
120
103.8
3%
67.5%
80.0%
100
2.3%
2%
80
60.0%
2%
60
40.0%
1%
40
1%
20.0%
20
0
0%
0.0%
2012
2013
2014
9M 2015
2012
2013
2014
9M 2015
Loan loss reserves (LLR)
NPLs to gross loans
NPL coverage ratio
LLR as % of gross loans
NPL coverage ratio, discounted for value of collateral
Holding company of BANK OF GEORGIA
BGEO www.bgeo.com
GROUP
November 2015
*Retail loans include loans of Retail Banking segment, BNB retail loans, Investment Management and Affordable Housing
Mortgages, Corporate loans include Corporate Banking Segment and BNB Corporate loans
page 21
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