Bank of Georgia Group Financial Results
SME Banking - loan and deposit portfolio
Loan portfolio
+10.9%
+15.8%
All currency data are in GEL m unless otherwise stated
Deposit portfolio
+30.2%
+35.4%
+6.0%
+4.9%
+10.8%
+9.9%
3,911
3,919
4,064
4,091
4,336
Growth on a
constant
1,509
1,628
1,469
1,928
1,793
1,856
1,799
1,909
currency
basis
1,250
1,296
625
656
595
579
564
1,983
2,127
2,208
2,292
2,427
Jun-22
Sep-22
Dec-22
Mar-23
Jun-23
Net loans GEL ■Net loans FC
Loan yield
671
733
853
874
1,003
Jun-22
Sep-22
Dec-22
■Client deposits and notes GEL
Cost of deposits
Mar-23
Jun-23
■Client deposits and notes FC
13.6% 13.5% 13.7% 13.9% 13.9%
13.3%
13.9%
3.1%
2.9%
2.5%
2.5%
9.9% 10.2%
10.5%
11.0% 11.4%
2.5%
2.6%
11.2%
2.4%
9.6%
1.7%
1.3%
1.5%
1.0%
1.0%
1.0%
1.1%
8.2%
7.4%
7.8%
6.3%
6.5%
6.7%
6.2%
-0.6%
-0.6%
-0.5%
-0.4%
-0.5%
-0.9%
-1.0%
2Q22
3Q22
4Q22
1Q23
2Q23
1H22
1H23
2Q22
3Q22
4Q22
1Q23
2Q23
1H22
1H23
Loan yield
Loan yield (GEL)
Loan yield (FC)
Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
41
The negative cost of deposits is attributed to the gains from EUR/USD swap transactions part
of which are included in the calculation of the cost of depositsView entire presentation