Georgia's Economic Outlook 2020
BNB FINANCIAL HIGHLIGHTS
77
INCOME STATEMENT HIGHLIGHTS
Change
Change
1Q20
1Q19
4Q19
GEL thousands, unless otherwise stated
y-o-y
q-o-q
Net interest income
9,469
6,585
43.8%
7,194
31.6%
Net fee and commission income
1,703
1,812
-6.0%
1,602
6.3%
Net foreign currency gain
493
3,955
-87.5%
6,548
-92.5%
Net other income
334
147
127.2%
92
NMF
Operating income
11,999
12,499
-4.0%
15,436
-22.3%
Operating expenses
(8,706)
(7,847)
10.9%
(9,493)
-8.3%
Operating income before cost of risk
3,293
4,652
-29.2%
5,943
-44.6%
Cost of risk
(3,422)
(1,442)
137.3%
(7)
NMF
Net non-recurring items
(10)
(50)
-80.0%
(46)
-78.3%
Profit before income tax expense
(139)
3,160
NMF
5,890
NMF
Income tax expense
Profit
BALANCE SHEET HIGHLIGHTS
(32)
(571)
(171)
2,589
-94.4%
NMF
(1,261)
4,629
-97.5%
NMF
Change
Mar-20
Mar-19
Dec-19
GEL thousands, unless otherwise stated
y-o-y
Change
9-0-9
Cash and cash equivalents
150,349
79,497
89.1%
212,777
-29.3%
Amounts due from credit institutions
13,141
20,556
-36.1%
12,742
3.1%
Investment securities
81,592
116,082
-29.7%
81,573
0.0%
Loans to customers and finance lease receivables
671,854
451,665
48.8%
580,876
15.7%
Other assets
54,981
54,001
1.8%
55,102
-0.2%
Total assets
971,917
721,801
34.7%
943,070
3.1%
Client deposits and notes
643,614
425,563
51.2%
608,777
5.7%
Amounts owed to credit institutions
143,374
144,314
-0.7%
144,621
-0.9%
Debt securities issued
51,063
53,846
-5.2%
69,438
-26.5%
Other liabilities
Total liabilities
Total equity
Total liabilities and equity
13,407
9,477
41.5%
11,038
21.5%
851,458
633,200
34.5%
833,874
2.1%
120,459
88,601
36.0%
109,196
10.3%
971,917
721,801
34.7%
943,070
3.1%View entire presentation