Bank of Georgia Growth and Reform Strategy
BNB FINANCIAL HIGHLIGHTS
INCOME STATEMENT, HIGHLIGHTS
GEL thousands, unless otherwise stated
Change
Change
Change
4Q19
4Q18
3Q19
2019
2018
y-o-y
9-0-9
y-o-y
Net interest income
7,194
6,471
11.2%
7,447
-3.4%
27,586
25,894
6.5%
Net fee and commission income
1,602
1,356
18.1%
1,956
-18.1%
7,169
7,805
-8.1%
Net foreign currency gain
6,548
5,261
24.5%
5,405
21.1%
20,688
16,605
24.6%
Net other income
92
332
-72.3%
57
61.4%
463
745
-37.9%
Operating income
15,436
13,420
15.0%
14,865
3.8%
55,906
51,049
9.5%
Operating expenses
(9,493)
(8,785)
8.1%
(9,135)
3.9%
(35,366) (32,261)
9.6%
Operating income before cost of risk
5,943
4,635
28.2%
5,730
3.7%
20,540 18,788
9.3%
Cost of risk
(7)
670
NMF
293
NMF
(2,691)
(3,069)
-12.3%
Net non-recurring items
(46)
NMF
(1)
NMF
Profit before income tax expense
5,890
5,298
11.2%
6,022
Income tax expense
(1,261)
(1,163)
8.4%
(1,193)
Profit
4,629
4,135
11.9%
4,829
-2.2%
5.7%
-4.1%
(110)
17,739
(3,404) (3,545)
14,335
(717)
-84.7%
15,002
18.2%
-4.0%
11,457
25.1%
BALANCE SHEET, HIGHLIGHTS
GEL thousands, unless otherwise stated
Dec-19
Dec-18
Change
y-o-y
Change
Sep-19
9-0-9
Cash and cash equivalents
212,777
110,340
92.8%
170,787
24.6%
Amounts due from credit institutions
12,742
19,664
-35.2%
22,534
-43.5%
Investment securities
81,573
67,734
20.4%
101,511
-19.6%
Loans to customers and finance lease receivables
580,876
432,657
34.3%
556,541
4.4%
Other assets
55,102
50,155
9.9%
59,397
-7.2%
Total assets
943,070
680,550
38.6%
910,770
3.5%
Client deposits and notes
608,777
389,001
56.5%
588,647
3.4%
Amounts owed to credit institutions
144,621
162,823
-11.2%
132,648
9.0%
Debt securities issued
69,438
38,163
82.0%
72,931
-4.8%
Other liabilities
11,038
5,300
108.3%
8,239
34.0%
Total liabilities
Total equity
Total liabilities and equity
833,874
595,287
40.1%
802,465
3.9%
109,196
85,263
28.1%
108,305
0.8%
943,070
680,550
38.6%
910,770
3.5%
BANK OF GEORGIA
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