Tracking Georgia's Economic Recovery
KEY RATIOS
3Q20
3Q19
2Q20
9M20
9M19
Liquidity
NBG liquidity coverage ratio (minimum requirement 100%)
147.0%
118.5%
135.4%
147.0%
118.5%
Liquid assets to total liabilities
33.7%
32.9%
Net loans to client deposits and notes
104.9%
118.0%
32.1%
108.8%
33.7%
32.9%
104.9%
118.0%
Net loans to client deposits and notes + DFIs
92.1%
103.4%
94.5%
Leverage (times)
7.9
7.6
7.7
92.1%
7.9
103.4%
7.6
Asset Quality:
NPLs (in GEL)
530,631
NPLs to gross loans to clients
3.8%
339,118
2.9%
NPL coverage ratio
76.8%
85.3%
355,260
2.7%
115.7%
530,631
3.8%
339,118
2.9%
76.8%
85.3%
NPL coverage ratio, adjusted for discounted value of collateral
131.4%
129.3%
166.3%
131.4%
129.3%
Cost of credit risk, annualised
0.2%
0.5%
-0.2%
2.4%
1.1%
RB Cost of credit risk
0.8%
0.9%
0.2%
2.7%
1.6%
CIB Cost of credit risk
-1.1%
-0.2%
-1.7%
1.7%
0.2%
Capital Adequacy:
NBG (Basel III) CET1 capital adequacy ratio
9.9%
11.1%
9.9%
9.9%
11.1%
Minimum regulatory requirement
6.9%
9.5%
6.9%
6.9%
9.5%
NBG (Basel III) Tier I capital adequacy ratio
12.0%
13.3%
12.0%
12.0%
13.3%
Minimum regulatory requirement
8.7%
11.6%
8.7%
8.7%
11.6%
NBG (Basel III) Total capital adequacy ratio
17.3%
16.8%
17.4%
17.3%
16.8%
Minimum regulatory requirement
13.3%
16.1%
13.3%
13.3%
16.1%
* For the description of Key Ratios, refer to page 80
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