Investor Presentaiton
KEY RATIOS
3Q21
3Q20
2Q21
9M21
9M20
Liquidity
NBG liquidity coverage ratio (minimum requirement 100%)
112.7%
147.0%
124.5%
112.7%
147.0%
Liquid assets to total liabilities
28.3%
33.7%
31.0%
28.3%
33.7%
Net loans to client deposits and notes
117.0%
104.9%
106.1%
117.0%
104.9%
Net loans to client deposits and notes + DFIs
102.1%
92.1%
93.2%
102.1%
92.1%
Leverage (times)
6.6
7.9
6.8
6.6
7.9
Asset Quality:
NPLs (in GEL)
413,626
530,631
524,964
413,626
NPLs to gross loans to clients
2.6%
3.8%
3.5%
2.6%
530,631
3.8%
NPL coverage ratio
90.9%
76.8%
73.1%
90.9%
76.8%
NPL coverage ratio, adjusted for discounted value of collateral
140.9%
131.4%
122.2%
140.9%
131.4%
Cost of credit risk, annualised
0.2%
0.2%
-0.6%
0.1%
2.4%
RB Cost of credit risk
0.4%
0.7%
0.3%
0.7%
2.7%
CIB Cost of credit risk
-0.3%
-0.8%
-2.4%
-1.0%
1.9%
Capital Adequacy:
NBG (Basel III) CET1 capital adequacy ratio
12.8%
9.9%
12.5%
12.8%
9.9%
Minimum regulatory requirement
11.0%
6.9%
11.1%
11.0%
6.9%
NBG (Basel III) Tier I capital adequacy ratio
14.6%
12.0%
14.4%
14.6%
12.0%
Minimum regulatory requirement
13.2%
8.7%
13.4%
13.2%
8.7%
NBG (Basel III) Total capital adequacy ratio
19.2%
17.3%
19.1%
19.2%
17.3%
Minimum regulatory requirement
17.3%
13.3%
17.7%
17.3%
13.3%
* For the description of Key Ratios, refer to page 88
86View entire presentation