Bank of Georgia Financial Analysis
RETAIL BANKING LOAN YIELD, COST OF DEPOSITS & NIM
RB Loan Yield I quarterly
RB Loan Yield I full-year
30%
20%
10%
30%
22.7% 20.8% 20.7%
23.6% 21.5%
15.9% 14.8% 14.2%
20%
16.1%
15.1%
8.8% 7.9% 7.4%
9.1%
7.9%
10%
0%
0%
Loan Yield
Loan yield, GEL
Loan yield, FC
Loan Yield
2017
Loan yield, GEL
2018
Loan yield, FC
4Q17 3Q18 4Q18
RB Cost of Deposit I quarterly
RB Cost of Deposit I full-year
6%
4.5%
4.9% 5.0%
6%
4.9%
4.5%
4%
2.8% 2.8% 2.9%
4%
2.2% 2.0% 2.1%
2.9% 2.9%
2.3% 2.0%
2%
2%
0%
0%
Cost of deposits
Cost of deposits, GEL Cost of deposits, FC
Cost of deposits
4Q17 3Q18 4Q18
2018
Cost of deposits, GEL Cost of deposits, FC
2017
RB NIM I quarterly
RB NIM I full-year
12%
12%
10%
10%
8.4%
8.5%
7.5%
7.2%
8%
6.7%
8%
6%
6%
4%
4%
4Q17
3Q18
4Q18
2017
2018
BANK OF GEORGIA
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