Bank of Georgia Growth and Reform Strategy
STRONG LIQUIDITY
Liquid assets to total liabilities
Banking Business
Liquidity coverage ratio & net stable funding ratio
JSC Bank of Georgia standalone (Basel III Liquidity)
18,000
37.9%
38.3%
34.9%
33.9% 40%
200%
151.5%
136.7%
15,000
133.6%
11,355
13,000
16,419
30%
150%
125.5%
132.5%
GEL millions
12,000
9,771
120.1%
97.0%
100.3%
9,000
20%
100%
5,560
6,000
3,705
4,347
4,540
10%
50%
3,000
0
0%
0%
31-Dec-16
31-Dec-17
31-Dec-18
31-Dec-19
31-Dec-16
31-Dec-17
31-Dec-18*
31-Dec-19*
Liquid assets
Total liabilities
Liquid assets to total liabilities
Liquidity coverage ratio
■Net stable funding ratio
Net loans to customer funds & DFI
Banking Business
Cumulative maturity gap | 31 Dec 2019
Banking Business
140%
116.1%
115.5%
118.4%
120%
109.4%
1,500,000
1,008,164
1,265,224 25%
1,055,316
(3,160,194)
500,000
15%
100%
103.2%
99.6%
80%
93.3%
89.0%
GEL millions
-500,000
179,964
5.7%
5.4%
1.0%
On
0-3 3-6
6-12
Demand Months Months Months
(1,527,020) 6.8%
5%
1-3 Years 3 Years
-1,500,000
-5%
-8.2%
-2,500,000
-15%
60%
31-Dec-16
31-Dec-17
31-Dec-18
31-Dec-19
-17.0%
-3,500,000
-25%
Net loans to customer funds & DFIs
Net loans to customer funds
Maturity gap
Maturity gap, as % of total assets
BANK OF GEORGIA * The ratios at 31 December 2018 and 2019 are calculated for standalone JSC Bank of Georgia according to the guidelines set by National Bank of Georgia
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