Management Target and Financial Overview
Loan portfolio quality
Loan quality under the following stress tests
Armed conflict with Russia in August 2008
17% devaluation of Lari against US$ in one day in November 2008
Political crisis in Georgia peak in Spring 2009
NPLS, BOG Standalone
NPLs Consolidated
GEL mln
160
140
120-
100-
80
554.4%
600%
30.1
23.9
500%
28.6
400%
17.2
51.3
61.4
75.4
300%
60
208.4%
40
40
138.3%
41.1
200%
169.1%
20
20
41.6
129.3%
124.2%
104.2%
22.4
11.3
131.0%
35.9
10.9
22.7
46.3
54.5
100%
8.1
9.7
12.0
67.4
0
Q4 2007
Q1 2008
Q2 2008
0.0
Q3 2008
Q4 2008
-20
RB & WM
CB
Other*
Q1 2009
NPL coverage ratio
Q2 2009
Q3 2009
0%
*Other NPLs include BNB and BG Bank
Loan loss reserve, Consolidated
GEL mln
160
140
120
100
80
GEL mln
7.5%
7.5%
8%
200
12%
183.3
6.8%
6.9%
7%
173.7
180
7.0%
155.1
10%
5.5%
6.7%
160
6.4%
6%
9.8%
135.2
8.1%
9.5%
4.9%
140
129.0
148.8
140.0
8%
5%
120
6.6%
4.7%
139.8
108.8
7.8%
7.6%
7.5%
4%
100
6%
3.2%
5.0%
104.6
6.3%
60
80
60
3%
5.1%
64.3
60
40 1.9%
2.0%
44.4
2%
39.6
1.3%
40
1.7%
2.1%
2.1% 1.1%
2.9%
4%
2%
20-1.2%
1%
20
32.1
23.3
19.0
1.0%
1.5%
0
0%
0
0%
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Q4 2009
Q1 2008
Q2 2008
Q3 2008
Q4 2008
Q1 2009
Q2 2009
Q3 2009
Q4 2009
Loan loss reserves
NPLs
% of Gross loans
Loan loss reserve as % of gross loans
Lobko
BANK OF GEORGIA
www.bog.ge/ir
Reserve For Loan Losses To Gross Loans, BoG Consolidated
Consolidated NPLs to Gross Loans, BoG Consolidated
April 2010
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