Investor Presentaiton
Strong loan and deposit growth dynamics
Loan portfolio
+20.0%
+19.6%
+6.4%
+5.5%
All currency data are in GEL m unless otherwise stated
Deposit portfolio
+12.4%
+12.2%
-5.6%
-6.3%
21,744
20,233
18,282
19,011
19,647
20,523
16,862
16,993
18,261
18,310
9,394
11,716
8,487
8,785
11,011
11,693
8,007
7,895
11,569
10,911
8,854
9,098
9,795
10,225
10,838
6,693
7,398
8,636
10,027
8,830
Dec-22
Mar-23
Jun-23
Sep-23
Dec-23
Net loans GEL
Net loans FC
Dec-22
Mar-23
Jun-23
Sep-23
Dec-23
■Client deposits and notes GEL
■Client deposits and notes FC
The q-o-q decrease was driven by reduced CIB deposits by 29.4% on a constant
currency basis, partially offset by increases in RB by 6.4% and SME by 6.9% on a
constant currency basis. The q-o-q reduction in corporate deposits reflects a
substitution of the Ministry of Finance deposits, which are treated as corporate
deposits, for NBG deposits, which are categorised as Central Bank loans
Growth on a constant currency basis
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