BANK OF GEORGIA Financial Performance and Strategy
☑Total assets
declined by 9.8%
in 2009
Assets
Total assets
GEL mln
6,000
3,400.7
3,258.9
3,154.3
3,186.8
3,147.7
Gross loans
5,000
2,907.8 2.980.2
2,938.4
declined by
4,000
14.9% in 2009
3,000
Gross loans grew
Loan book
89%
Collaterilized
1.7% q-o-q in Q4 2,000
81%
Collaterilized
09
1,000
1,855.7 2,106.7 2,059.7 2,189.4 2,046.8 1,904.7 1,833.1 1,864.2
Standalone Gross
0
loans grew 5.2%
Q1 2008 Q2 2008 Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009
Pharmaceuticals
q-o-q in Q4 2009
Liquid funds
increased by GEL
180 mln, 35%, to
Gross loans
Corporate loan book breakdown, BoG Standalone
98%
Collaterilized
87% of total corporate
loan book collateralized
GEL 700 mln in
2009
GEL 360 mlm of
excess liquidity at
YE 2009
93%
Collaterilized Industry & State,
and Healthcare,
2%
Other, 14%
98%
Collaterilized
Trade, 32%
Goodwill of GEL
70 mln written-off
in Q4 2009, of
which GEL 68
mln associated
with Ukraine
12%
Real Estate, 9%
Energy, 9%
100%
Collaterilized
Construction,
8%
FMCG, 9%
66%
Collaterilized
Lak
BANK OF GEORGIA
www.bog.ge/ir
100%
Collaterilized
BNB, 1%
87% of total loan
book collateralized
BG Bank, 10%
RB & WM, 46%
93%
Collaterilized
CB, 47%
Retail loan book breakdown, BoG Standalone
100%
Collaterilized
81% of total retail loan
book collateralized
Micro loans,
12%
0%
Collaterilized
100%
Collaterilized
Credit cards and
overdrafts, 16%
Mortgage loans,
43%
89%
Collaterilized
Consumer and
other, 29%
April 2010
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