Bank of Georgia Growth and Reform Strategy
STRONG UNDERLYING PERFORMANCE
Operating income | quarterly
GEL millions
Banking Business
+13.3%
+8.5%
309.3
350
285.0
273.1
280
102.2
84.0
33%
85.7
29%
210
31%
140
187.4
201.0
71%
207.1
67%
70
69%
O
4Q18
Net interest income
3Q19
4Q19
Net non-interest income
Net non-interest income | quarterly
Banking Business
+19.3%
+21.7%
102.2
GEL millions
110
90
85.7
84.0
18.4
3.8
70
53.4
32.2
37.2
50
30
48.0
46.6
41.3
10
-10
(9.0)
4Q18
3Q19
4Q19
Net fee and commission income
Net other income/ (expense)
Net foreign currency gain
BANK OF GEORGIA
GEL millions
GEL millions
Operating income | full year
Banking Business
+7.8%
1,110.3
1,200
1,030.0
1,000
290.4
28%
320.9
29%
800
600
400
739.6
72%
789.4
71%
200
О
2018
2019
Net interest income
Net non-interest income
Net non-interest income | full year
Banking Business
350
290.4
7.8
280
210
129.4
140
70
153.2
2018
Net fee and commission income
Net other income
+10.5%
320.9
21.5
119.4
180.0
2019
Net foreign currency gain
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