Investor Presentaiton
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Retail Banking – loan and deposit portfolio
Net loans
+18.3%
+24.2%
Deposits
+9.8%
+18.4%
+3.8%
+3.1%
+3.3%
+4.0%
9,558
9,858
10,350
9,791
10,740
8,978
9,175
8,768
9,080
9,265
3,944 40%
4,148 40%
4,249 40%
4,076 45%
3,865 42%
6,639 74%
6,337 72%
6,568 72%
6,653 70%
6,911 70%
5,004 55% 5,400 58% 5,847 60% 6,201 60%
6,491 60%
2,339 26%
2,431 28%
2,608 28%
2,905 30%
2,947 30%
Mar-21
Jun-21
Sep-21
Dec-21
Mar-22
Mar-21
Jun-21
Sep-21
Dec-21
Mar-22
■Net loans, GEL
Net loans, FC
Client deposits and notes, FC
■Client deposits and notes, GEL
Growth on a constant currency basis
Strong growth of local currency denominated loan book in the first quarter of 2022 (up 29.7% y-o-y and up 4.7% q-o-q).
Consumer loan portfolio is now almost completely de-dollarised.
The share of retail mortgage loans in local currency was 51.6% at 31 March 2022, compared with 46.3% at 31 March 2021 and 50.5% at 31 December 2021.
The share of time deposits at 31 March 2022 was 53.8% (59.8% at 31 March 2021 and 57.2% at 31 December 2021).
Starting from 3Q21, the Wealth Management business has been reclassified from Corporate and Investment Banking to Retail Banking. The comparative periods have been restated accordingly.
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