Bank of Georgia Earnings and Strategy Update
4Q21 RESULTS HIGHLIGHTS
22
22
Outstanding
profitability
Strong interest and
F&C income generation
Resilient loan portfolio
quality and high cost
efficiencies
ROAE
Operating income
4Q21
26.4%
4Q21
+26.4% y-o-y
+9.0% 9-0-9
GEL 379mln
Cost of credit risk
4Q21
-0.2%
Strong portfolio
growth
Loan growth
31 Dec 2021
GEL 16.2bln
+13.9% y-o-y*
+3.8% q-o-q*
Strong capital and
liquidity positions
CET 1 capital
31 Dec 2021
13.2%
Minimum requirement
11.5%
Net profit
4Q21
GEL 201mln
+52.2% y-o-y
+8.3% q-o-q
+36.5% y-o-y
+2.6% 9-o-q
Net F&C income
4Q21
Cost to income
4Q21
GEL 64mln
39.8%
* Growth on a constant currency basis was 19.8% y-o-y and 4.9% q-o-q
** Growth on a constant currency basis was 12.5% y-o-y and 6.3% q-o-q
Deposits growth
31 Dec 2021
GEL 14.Obln
+0.1% y-o-y
+5.4% 9-0-9
**
Liquidity coverage
31 Dec 2021
124.0%
Minimum requirement
100%View entire presentation