Investor Presentaiton
Diversified funding structure
Interest-bearing liabilities
+8.0%
All currency data are in GEL m unless otherwise stated
Borrowed funds maturity profile (US$, million)*
As at 31 December 2023
+3.0%
25,332
26,100
24,174
22,723
23,389
426
646
421
2,493
621
2,373
2,113
608
1,841
790
2,663
1,905
3,154
1,279
1,900
174
155
157
111
21,744
19,647
20,523
18,261
18,310
88
77
147
Dec-22
Mar-23
Jun-23
Sep-23
■Client deposits and notes Due to credit institutions
Debt securities issued
Borrowings
70
10
10
110
10
15
00
60
Dec-23
2024 2025
2026
2027
2028
10
2029
10
2030
2031
2032 2033
Client deposits and notes increased to 78.6% of interest-
bearing liabilities as at 31 December 2023, compared with
75.5% as at 31 December 2022
*Converted at exchange rates as at 31 December 2023.
In 2Q23 the borrowings legend was incorrectly attributed to credit institutions.
Senior loans
Bonds
Subordinated loans
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