BGEO Group Financial Update
Key ratios and operating data
Banking Business Key ratios,
Profitability
ROAA, Annualised
ROAE, Annualised
Net Interest Margin, Annualised
Loan Yield, Annualised
3Q15
3Q14
2Q15
9M15
9M14
Selected Operating Data:
3Q15
3Q14
2Q15
9M15
9M14
Total Assets Per FTE, BOG Standalone
2,060
1,738
1,995
2,060
1,738
Number Of Active Branches, Of Which:
260
217
246
260
217
3.3%
3.5%
2.9%
3.1%
3.3%
- Flagship Branches
35
34
35
35
34
23.3%
21.0%
19.3%
20.6%
19.8%
- Standard Branches
115
100
114
115
100
7.6%
7.6%
7.6%
7.7%
7.5%
14.7%
14.2%
14.6%
14.7%
14.4%
- Express Branches (including Metro)
Number Of ATMs
110
83
97
110
83
703
521
685
703
521
Liquid assets yield, Annualised
3.1%
2.6%
3.1%
3.2%
2.4%
Number Of Cards Outstanding, Of Which:
1,940,627
Cost of Funds, Annualised
5.1%
4.7%
5.0%
5.1%
4.8%
- Debit cards
1,210,914
Cost of Client Deposits and Notes, annualised
4.1%
4.1%
4.4%
4.3%
4.3%
- Credit cards
729,713
Cost of Amounts Due to Credit Institutions, annualised
6.3%
4.8%
5.3%
5.7%
4.8%
Number Of POS Terminals
7,685
1,103,066 1,964,374
986,477 1,207,573
116,589
5,979
1,940,627
1,103,066
1,210,914
986,477
756,801
729,713
116,589
7,668
7,685
5,979
Cost of Debt Securities Issued
7.3%
7.1%
7.2%
7.3%
7.2%
Operating Leverage, Y-O-Y
18.5%
-3.4%
21.7%
19.1%
-3.3%
Operating Leverage, Q-O-Q
Efficiency
Cost / Income
Liquidity
NBG Liquidity Ratio
2.7%
5.1%
2.9%
n/a
n/a
Group Employee Data
3Q15 3Q14
2Q15
34.8%
40.1%
35.7%
35.7%
41.3%
Full Time Employees, Group, Of Which:
- Full Time Employees, BOG Standalone
15,624 13,182 14,583
4,436
3,649
4,368
- Full Time Employees, Georgia Healthcare Group
- Full Time Employees, m2
9,434
8,026
8,496
59
52
58
40.5%
37.8%
35.1%
40.5%
37.8%
- Full Time Employees, Aldagi
246
240
253
Liquid Assets To Total Liabilities
36.9%
32.9%
36.5%
36.9%
32.9%
- Full Time Employees, BNB
537
455
505
Net Loans To Client Deposits and Notes
115.4%
124.0%
122.1%
115.4%
124.0%
- Full Time Employees, Other
912
760
903
Net Loans To Client Deposits and Notes + DFIS
Leverage (Times)
95.9%
6.3
104.6%
102.4%
95.9%
4.8
6.0
6.3
104.6%
4.8
Asset Quality:
NPLs (in GEL)
221,660
NPLs To Gross Loans To Clients
4.0%
NPL Coverage Ratio
82.0%
154,417
3.8%
78.1%
219,230
4.1%
82.2%
NPL Coverage Ratio, Adjusted for discounted value of collateral
121.9%
112.1%
115.1%
Cost of Risk, Annualised
2.5%
1.6%
2.7%
221,660
4.0%
82.0%
121.9%
2.8%
154,417
3.8%
78.1%
112.1%
1.2%
Shares outstanding
Ordinary shares outstanding
Treasury shares outstanding
30-Sep-15 31-Jun-15 30-Sep-14
38,257,793 38,257,793 34,387,198
1,242,527 1,242,527 1,522,185
Capital Adequacy:
BIS Tier I Capital Adequacy Ratio, Consolidated
16.7%
22.7%
20.4%
16.7%
22.7%
BIS Total Capital Adequacy Ratio, Consolidated
23.7%
26.4%
26.7%
23.7% 26.4%
New NBG (Basel II) Tier I Capital Adequacy Ratio
10.2%
11.2%
10.4%
10.2%
11.2%
New NBG (Basel II) Total Capital Adequacy Ratio
15.8%
14.2%
15.9%
15.8%
14.2%
Old NBG Tier I Capital Adequacy Ratio
9.2%
14.5%
13.9%
9.2%
14.5%
Old NBG Total Capital Adequacy Ratio
16.0%
14.1%
15.8%
16.0%
14.1%
Risk Weighted Assets
Change
Risk Weighted Assets breakdown
GEL millions
30-Sep-15
30-Jun-15 30-Sep-14
Y-O-Y, % Q-0-Q, %
Credit risk weighting
FX induced credit risk (market risk)
Operational risk weighting
Total RWA under NBG Basel 2/3
6,001,552 5,930,369 4,483,578
1,846,755 1,795,351 1,412,299
624,825 624,825
8,473,132 8,350,545 6,470,594
33.9%
1.2%
30.8%
2.9%
574,717
8.7%
0.0%
30.9%
1.5%
Holding company of BANK OF GEORGIA
BGEO www.bgeo.com
GROUP
November 2015
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