Investor Presentaiton
1Q22 financial highlights
26
Outstanding
profitability
Strong top-line
Resilient loan portfolio
quality and focus on
cost control
Operating income
ROAE
Cost of credit risk
GEL 396mln
0.8%
30.7%
+30.3% y-o-y
+4.4% 9-0-9
Solid portfolio
growth
Loan growth
31 Mar 2022
GEL 16.3bln
*
+11.6% y-o-y
+0.7% q-o-q*
Robust capital base and
liquidity positions
CET 1 capital
31 Mar 2022
13.7%
Minimum requirement
11.8%
Net profit
GEL 241mln
+73.2% y-o-y
+19.9% q-o-q
Share of non-
interest income
31.4%
Cost to income
35.0%
Deposit growth
31 Mar 2022
GEL 14.5bln
+3.7% y-o-y
+3.4% q-0-9
**
**
Liquidity coverage
31 Mar 2022
116.2%
Minimum requirement
100%
* Growth on a constant currency basis was 19.0% y-o-y and 1.0% q-o-q.
** Growth on a constant currency basis was 10.6% y-o-y and 3.6% q-o-q.View entire presentation